3304 Lone Hill Ln, Encinitas, CA 92024 Property Records

San Diego County property record for 3304 Lone Hill Ln, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 5,513 sqft · built 1999
Lot Size	2.01 acres (87,991 sqft)
Owner	2 Individual Names on File
Last Sale	$1,900,000 (Jan 2020)
Tax Bill	$23,318 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Apr 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`264-390-01-00`

Property Details

APN / Parcel Number

Primary APN	`264-390-01-00`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Building Area	5,513 sqft Living Area

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Lot Area	87,991 sqft
Parking Spaces	4 Parking Spaces

Location & Zoning

Street Address	3304 LONE HILL LN
City	ENCINITAS
State	CA
Zip	92024-7262
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 1 TR 012780
Legal Subdivision	ENCINITAS ESTATES
Legal Tract	012780
Legal Block	2
Legal Lot Number	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2019
Census Tract	17113

Owner

3304 Lone Hill Ln is owned and occupied by two individuals who bought it in January 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	3304 LONE HILL LN, ENCINITAS, CA 92024-7262
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage UBS BANK USA
Apr 27, 2017	Deed of Trust, Mortgage · ARM JPMORGAN CHASE BANK NA
Jan 17, 2020	Quit Claim Deed, Transfer STEWART TITLE, STEWART TITLE/CA
Jan 17, 2020	Grant Deed, Transfer SYNERGY ONE LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 17, 2020 · Amount on File
Deed Sale	Jan 17, 2020 · Amount on File
Prior Sale	Dec 17, 2015 · Amount on File
Deed Document Number	202027068
Prior Transfer Date	Jan 3, 2020
Prior Transfer Doc	0000027067
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3304 LONE HILL LN, ENCINITAS, CA 92024-7262
Transaction Type	Mortgage
Record Updated	Apr 13, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3304 LONE HILL LN, ENCINITAS, CA 92024-7262

Mortgage

Document Number	0000260793
Date	Apr 5, 2021
Instrument	2021-0260793

Lender

Name	UBS BANK USA
Type	Bank
Address	SALT LAKE CITY, UT 84111

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.62%
Type Change Date	Apr 1, 2031
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	7.62%
Index	Other
Margin	3
Max Rate	12.6%

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3304 LONE HILL LN, ENCINITAS, CA 92024-7262
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NORTH AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000190046
Date	Apr 27, 2017
Instrument	2017-0190046

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	WESTMONT, IL 60559

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	May 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2020
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5%
Index	1-Year CMT
Max Rate	8%

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 17, 2020
Property Address	3304 LONE HILL LN, ENCINITAS, CA 92024-7262
Document Number	0000027067
Instrument Date	Jan 3, 2020
Instrument	27067
Transaction Type	Transfer
Record Updated	Jan 31, 2020
Title Company	STEWART TITLE, STEWART TITLE/CA

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	3785 MONROE ST CARLSBAD CA 920082733, CARLSBAD, CA 92008-2733

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 17, 2020
Property Address	3304 LONE HILL LN, ENCINITAS, CA 92024-7262
Document Number	0000027068
Instrument Date	Dec 30, 2019
Instrument	27068
Transaction Type	Transfer
Record Updated	Jan 31, 2020
Title Company	STEWART TITLE, STEWART TITLE/CA

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,090.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3304 LONE HILI LN OCEANSIDE CA 92058, OCEANSIDE, CA 92058

Mortgage

Document Number	27069
Date	Jan 17, 2020
Instrument	27069

Lender

Name	SYNERGY ONE LNDG
Address	3131 CAMINO DEL RIO N # 190, SAN DIEGO, CA 92108-5702

Agreement

Amount	Amount on Record
Term	480 Months
Due	Jan 16, 2060

Tax Assessment & Valuation

The 2025 property tax bill for 3304 Lone Hill Ln was $23,318 with a homeowner's exemption.

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		$2,119,481 (+2%) Land $892,413 Building $1,227,068
2025	$23,318.00 Homeowner's exemption	$2,077,923 Land $874,915 Building $1,203,008
2023	$22,028.00 (+2.03%) Homeowner's exemption	$1,997,237 Land $840,942 Building $1,156,295
2022	$21,589.00

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

Flood

FEMA maps place 3304 Lone Hill Ln in Zone X, an area of minimal flood risk.

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

Wildfire risk around 3304 Lone Hill Ln is moderate, ranking above 57% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 57% of the US · lower than 66% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 53 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
San Diego Broadband Fixed Wireless	500 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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