3312 Lone Hill Ln, Encinitas, CA 92024 Property Records

San Diego County property record for 3312 Lone Hill Ln, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 5,230 sqft · built 1999
Lot Size	2.03 acres (88,862 sqft)
Owner	Company Name on Record
Last Sale	$1,725,000 (Jun 2001)
Tax Bill	$29,258 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Jul 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`264-390-02-00`

Property Details

APN / Parcel Number

Primary APN	`264-390-02-00`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	5,230 sqft Living Area

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Lot Area	88,862 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	3312 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 2 TR 012780
Legal Subdivision	ENCINITAS ESTATES
Legal Tract	012780
Legal Block	2
Legal Lot Number	2
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2019
Census Tract	17113

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	3312 LONE HILL LN, ENCINITAS, CA 92024-7262
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Jul 23, 2019	Deed of Trust, Mortgage · ARM US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 4, 2001 · Amount on Record
Deed Sale	Jun 4, 2001 · Amount on Record
Prior Sale	Feb 5, 1998 · Amount on Record
Deed Document Number	2001364687
Last Transfer Date	Jan 7, 2002
Transfer Doc	0000122016
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3312 LONE HILL LN, ENCINITAS, CA 92024-7262
Transaction Type	Mortgage
Record Updated	Apr 28, 2021
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3312 LONE HILL LN, ENCINITAS, CA 92024-7262

Mortgage

Document Number	0000303618
Date	Apr 20, 2021
Instrument	2021-0303618

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	May 1, 2031
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	7.75%
Index	1-Year T-Bill
Max Rate	7.75%

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3312 LONE HILL LN, ENCINITAS, CA 92024-7262
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000298530
Date	Jul 23, 2019
Instrument	2019-0298530

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	Aug 1, 2029
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.37%
Index	1-Year CMT
Max Rate	8.37%

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		$2,651,116 (+2%) Land $960,549 Building $1,690,567
2025	$29,258.00 (+6.19%) Homeowner's exemption	$2,599,134 (+4.04%) Land $941,715 Building $1,657,419
2023	$27,553.00 (+2.06%) Homeowner's exemption	$2,498,208 Land $905,148 Building $1,593,060
2022	$26,996.00

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	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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