342 Cole Ranch Rd, Encinitas, CA 92024 Property Records

San Diego County property record for 342 Cole Ranch Rd, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,374 sqft · built 1970
Lot Size	0.283 acres (12,314 sqft)
Owner	2 Company Names on Record
Last Sale	$1,849,000 (Feb 2022)
Tax Bill	$23,794 (2025)
Deeds & Mortgages	Aug 2026 Sale Mar 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`265-023-49-00`

Property Details

APN / Parcel Number

Primary APN	`265-023-49-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,374 sqft Living Area

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Lot Area	12,314 sqft (0.283 acres)
Lot Dimensions	140 ft deep x 75 ft wide
Garage Type	Carport
Carport	Carport

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	342 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 34&35&N H OF TR 000287
Legal Subdivision	OLIVENHAIN COLONY
Legal Tract	000287
Legal Block	31
Legal Lot Number	33,34
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 August 26, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	342 COLE RANCH RD, ENCINITAS, CA 92024-6416
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2026	Grant Deed, Transfer NONE LISTED ON DOCUMENT
Mar 24, 2026	Intrafamily Transfer, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Feb 22, 2022	Grant Deed, Transfer FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 22, 2022 · Amount on Record
Deed Sale	Feb 22, 2022 · Amount on Record
Prior Sale	Nov 18, 1983 · Amount on Record
Deed Document Number	202277870
Last Transfer Date	Mar 19, 2026
Transfer Doc	0000080337
Record Updated	Oct 29, 2026

August 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 18, 2026
Property Address	342 COLE RANCH RD, ENCINITAS, CA 92024-6416
Document Number	0000241150
Instrument Date	Aug 14, 2026
Instrument	2026241150
Transaction Type	Transfer
Record Updated	Aug 26, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	342 COLE RANCH RD, ENCINITAS, CA 92024-6416

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 24, 2026
Property Address	342 COLE RANCH RD, ENCINITAS, CA 92024-6416
Document Number	0000080337
Map Reference	MAP 287
Instrument Date	Mar 19, 2026
Instrument	2026-0080337
Transaction Type	Transfer
Record Updated	Apr 1, 2026
Title Company	CHICAGO TITLE COMPANY-SD, CHICAGO TITLE COMPANY SD

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
Address	342 COLE RANCH RD, ENCINITAS, CA 92024-6416

Mortgage

Document Number	0000080338
Date	Mar 24, 2026
Instrument	2026-0080338

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

February 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 22, 2022
Property Address	342 COLE RANCH RD, ENCINITAS, CA 92024-6416
Document Number	0000077870
Map Reference	MAP 287
Instrument Date	Dec 7, 2021
Instrument	2022-0077870
Transaction Type	Transfer
Record Updated	Mar 2, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1483, RANCHO SANTA FE, CA 92067-1483

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		$2,219,694 (+2%) Land $1,731,890 Building $487,804
2025	$23,794.00 (+14.97%) Homeowner's exemption	$2,176,172 (+20.56%) Land $1,697,932 Building $478,240
2024	$20,695.00 (+7.1%)
2023	$19,323.00 (+523.72%)	$1,805,000 Land $1,561,000 Building $244,000
2022	$3,098.00

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 Record 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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