3205 Rim Rock Cir, Encinitas, CA 92024 Property Records

San Diego County property record for 3205 Rim Rock Cir, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,102 sqft · built 1992
Lot Size	2.01 acres (87,556 sqft)
Owner	Company Name on Record
Last Sale	$740,000 (Jul 1996)
Tax Bill	$15,996 (2025)
Deeds & Mortgages	Feb 2023 Transfer Apr 2020 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`264-292-28-00`

Property Details

APN / Parcel Number

Primary APN	`264-292-28-00`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Building Area	4,102 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Conventional
Lot Area	87,556 sqft
Garage Type	Carport
Carport	Carport
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3205 RIM ROCK CIR
City	ENCINITAS
State	CA
Zip	92024-5718
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 64 TR 011809
Legal Subdivision	ENCINITAS ESTATES
Legal Tract	011809
Legal Block	1
Legal Lot Number	64
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1032
Census Tract	17112

Owner

Source: San Diego County records, as of July 28, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	3205 RIM ROCK CIR, ENCINITAS, CA 92024-5718
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2023	Intrafamily Transfer, Transfer
Apr 28, 2020	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Mar 18, 2020	Deed of Trust, Mortgage BANK OF AMERICA
May 9, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Jan 24, 2017	Deed of Trust, Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 22, 1996 · Amount on Record
Deed Sale	Jul 22, 1996 · Amount on Record
Prior Sale	Sep 3, 1992 · Amount on Record
Deed Document Number	1996366277
Last Transfer Date	Feb 10, 2023
Transfer Doc	0000040240
Record Updated	Sep 20, 2026

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 16, 2023
Property Address	3205 RIM ROCK CIR, ENCINITAS, CA 92024-5718
Document Number	0000040240
Map Reference	MAP 11809
Instrument Date	Feb 10, 2023
Instrument	2023-0040240
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	3205 RIM ROCK CIR, ENCINITAS, CA 92024-5718

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3205 RIM ROCK CIR, ENCINITAS, CA 92024-5718
Document Number	0000236701
Instrument Date	Apr 28, 2020
Transaction Type	Mortgage
Record Updated	May 20, 2020
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3205 RIM ROCK CIR ENCINITAS CA 920245718, ENCINITAS, CA 92024-5718

Mortgage

Document Number	0000236701
Date	May 11, 2020
Instrument	236701

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3205 RIM ROCK CIR, ENCINITAS, CA 92024-5718
Document Number	0000173205
Instrument Date	Mar 18, 2020
Transaction Type	Mortgage
Record Updated	Apr 28, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3205 RIM ROCK CIR ENCINITAS CA 920245718, ENCINITAS, CA 92024-5718

Mortgage

Document Number	0000173205
Date	Apr 6, 2020
Instrument	173205

Lender

Name	BANK OF AMERICA
Type	Bank
Address	101 S TRYON ST, CHARLOTTE, NC 28280-0002

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 5, 2050

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3205 RIM ROCK CIR, ENCINITAS, CA 92024-5718
Document Number	0000241323
Instrument Date	May 9, 2017
Transaction Type	Mortgage
Record Updated	Jun 6, 2017
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3205 RIM ROCK CIR ENCINITAS CA 920245718, ENCINITAS, CA 92024-5718

Mortgage

Document Number	0000241323
Date	May 30, 2017
Instrument	241323

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3205 RIM ROCK CIR, ENCINITAS, CA 92024-5718
Document Number	0000048633
Instrument Date	Jan 24, 2017
Transaction Type	Mortgage
Record Updated	Aug 15, 2018
Title Company	EQUITY TITLE COMPANY, EQUITY TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3205 RIM ROCK CIR ENCINITAS CA 920245718, ENCINITAS, CA 92024-5718

Mortgage

Document Number	0000048633
Date	Jan 31, 2017
Instrument	48633

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 30, 2047

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Municipality	Encinitas City
Elementary School District	Encinitas Union Elementary School District (KG - 06)
Secondary School District	San Dieguito Union High School District (07 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,295,775 (+2%) Land $498,370 Building $797,405
2025	$15,996.00 (+9.07%) Homeowner's exemption	$1,270,369 (+4.04%) Land $488,599 Building $781,770
2023	$14,666.00 (+2.65%) Homeowner's exemption	$1,221,041 Land $469,627 Building $751,414
2022	$14,288.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective September 3, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · lower than 77% of California
Wildfire Likelihood	0.05% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	OLIVENHAIN MWD serves 86,458 people · EPA ID CA3710029
Water Source	Purchased surface water from several systems
Last State Inspection	May 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 88 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 35
San Diego Broadband Fixed Wireless	500 / 100
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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