3402 Calle Margarita, Encinitas, CA 92024 Property Records

San Diego County property record for 3402 Calle Margarita, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 4,835 sqft · built 1997
Lot Size	3.98 acres (173,369 sqft)
Owner	2 Individual Names on File
Last Sale	$2,800,000 (Apr 2019)
Tax Bill	$35,446 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Mar 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`264-241-04-00`

Property Details

APN / Parcel Number

Primary APN	`264-241-04-00`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	4,835 sqft Living Area

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Lot Area	173,369 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	3402 CALLE MARGARITA
City	ENCINITAS
State	CA
Zip	92024-6670
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	PAR 2 TR PM17446
Legal Subdivision	CITY OF ENCINITAS
Legal Tract	1017446
Legal Block	2
Legal Lot Number	7
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2001
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	2 Individual Names on File
Mailing Address	19919 ELFIN FOREST LN, ESCONDIDO, CA 92029-6003
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST REPUBLIC BANK
Mar 11, 2020	Deed of Trust, Mortgage LOANDEPOT.COM LLC
Apr 19, 2019	Grant Deed, Transfer 5TH STREET CAP INC
Apr 19, 2019	Quit Claim Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 19, 2019 · Amount on File
Deed Sale	Apr 19, 2019 · Amount on File
Prior Sale	Sep 7, 2007 · Amount on File
Deed Document Number	2019143247
Prior Transfer Date	Nov 11, 2015
Prior Transfer Doc	0000143246
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3402 CALLE MARGARITA, ENCINITAS, CA 92024-6670
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3402 CALLE MARGARITA, ENCINITAS, CA 92024-6670

Mortgage

Document Number	0000641024
Date	Sep 10, 2021
Instrument	2021-0641024

Lender

Name	FIRST REPUBLIC BANK
Type	Bank
Address	SAN FRANCISCO, CA 94111

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.6%
Type Change Date	Sep 1, 2028
Change Frequency	Annually
Min Rate At Change	2.95%
Max Rate At Change	10.9%
Index	1-Year CMT
Max Rate	10.9%

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3402 CALLE MARGARITA, ENCINITAS, CA 92024-6670
Document Number	0000138598
Instrument Date	Mar 11, 2020
Transaction Type	Mortgage
Record Updated	Mar 31, 2020
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	3402 CALLE MARGARITA ENCINITAS CA 920246670, ENCINITAS, CA 92024-6670

Mortgage

Document Number	0000138598
Date	Mar 17, 2020
Instrument	138598

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	26642 TOWNE CENTRE DR, FOOTHILL RANCH, CA 92610-2808

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 16, 2050

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 19, 2019
Property Address	3402 CALLE MARGARITA, ENCINITAS, CA 92024-6670
Document Number	0000143247
Instrument Date	Feb 13, 2019
Instrument	143247
Transaction Type	Transfer
Record Updated	Apr 29, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE SAN DIEGO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,080.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	19919 ELFIN FOREST LN ESCONDIDO CA 920296003, ESCONDIDO, CA 92029-6003

Mortgage

Document Number	143248
Date	Apr 19, 2019
Instrument	143248

Lender

Name	5TH STREET CAP INC
Address	2020 CAMINO DEL RIO N # 300, SAN DIEGO, CA 92108-1543

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 18, 2049

Interest

Rate Type	Adjustable Rate
Rate	5.62%

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 19, 2019
Property Address	3402 CALLE MARGARITA, ENCINITAS, CA 92024-6670
Document Number	0000143246
Instrument Date	Nov 11, 2015
Instrument	143246
Transaction Type	Transfer
Record Updated	Apr 29, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Partial Interest

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2240 ENCINITAS BLVD #D-338 ENCINITAS CA 920244345, D-338, ENCINITAS, CA 92024-4345

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		$3,249,588 (+2%) Land $1,934,307 Building $1,315,281
2025	$35,446.00 (+9.04%)	$3,185,872 (+6.12%) Land $1,896,380 Building $1,289,492
2023	$32,508.00 (+1.02%)	$3,002,163 Land $1,822,743 Building $1,179,420
2022	$32,181.00

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 67% of the US · lower than 81% of California
Wildfire Likelihood	0.02% 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 134 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 35
San Diego Broadband Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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