326 Cole Ranch Rd, Encinitas, CA 92024 Property Records

San Diego County property record for 326 Cole Ranch Rd, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,081 sqft · built 1971
Lot Size	0.283 acres (12,347 sqft)
Owner	Company Name on File
Last Sale	$259,000 (Mar 1994)
Tax Bill	$5,751 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Nov 2020 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`265-023-48-00`

Property Details

APN / Parcel Number

Primary APN	`265-023-48-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,081 sqft Living Area

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Lot Area	12,347 sqft (0.283 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	326 COLE RANCH RD
City	ENCINITAS
State	CA
Zip	92024-6416
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR2
Legal Description	BLK 31 LOT 33 ST&ALLEY CLSD ADJ&LOTS 31&32&S H OF TR 000287
Legal Subdivision	OLIVENHAIN COLONY
Legal Tract	000287
Legal Block	31
Legal Lot Number	31,33
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2018
Census Tract	17111

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on File
Mailing Address	326 COLE RANCH RD, ENCINITAS, CA 92024-6416
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage MOVEMENT MORTGAGE
Nov 20, 2020	Deed of Trust, Mortgage · Line of Credit SAN DIEGO COUNTY CU
Oct 24, 2017	Quit Claim Deed, Transfer Quitclaim
Oct 13, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage SAN DIEGO FUNDING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 7, 1994 · Amount on File
Deed Sale	Mar 7, 1994 · Amount on File
Prior Sale	Nov 16, 1993 · Amount on File
Deed Document Number	1994150343
Prior Transfer Date	Nov 8, 1993
Prior Transfer Doc	0000770005
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	326 COLE RANCH RD, ENCINITAS, CA 92024-6416
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000409521
Date	Jul 28, 2020
Instrument	2020-0409521

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	326 COLE RANCH RD, ENCINITAS, CA 92024-6416
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	326 COLE RANCH RD, ENCINITAS, CA 92024-6416

Mortgage

Document Number	0000737001
Date	Nov 20, 2020
Instrument	2020-0737001

Lender

Name	SAN DIEGO COUNTY CU
Type	Credit Union
Address	SAN DIEGO, CA 92196

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Nov 30, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 24, 2017
Property Address	326 COLE RANCH RD, ENCINITAS, CA 92024-6416
Document Number	0000495153
Instrument Date	Sep 28, 2017
Instrument	495153
Transaction Type	Transfer
Record Updated	Oct 30, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	326 COLE RANCH RD ENCINITAS CA 920246416, ENCINITAS, CA 92024-6416

October 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 13, 2017
Property Address	326 COLE RANCH RD, ENCINITAS, CA 92024-6416
Document Number	0000475343
Map Reference	MAP287
Instrument Date	Sep 28, 2017
Instrument	2017-0475343
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	GUARDIAN TITLE COMPANY

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	Community Property with Right of Survivorship
Address	326 COLE RANCH RD, ENCINITAS, CA 92024-6416

Mortgage

Document Number	0000475344
Date	Oct 13, 2017
Instrument	2017-0475344

Lender

Name	SAN DIEGO FUNDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 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		$448,987 (+2%) Land $269,397 Building $179,590
2025	$5,751.00 (+9.38%) Homeowner's exemption	$440,184 (+4.04%) Land $264,115 Building $176,069
2023	$5,258.00 (-6.04%) Homeowner's exemption	$423,093 Land $253,860 Building $169,233
2022	$5,596.00

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
Flood Insurance Cost	Premium on File median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	2 (2010–2020)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Apr 2020 · rainfall accumulation

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 97% of the US · lower than 97.8% of California
Wildfire Likelihood	0.01% 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 250 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

May also be available: GeoLinks, San Diego Broadband, Spectrum, T-Mobile, Ting.

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