3423 Fortuna Ranch Rd, Encinitas, CA 92024 Property Records

San Diego County property record for 3423 Fortuna Ranch Rd, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,538 sqft · built 1990
Lot Size	2.08 acres (91,040 sqft)
Owner	Company Name on File
Last Sale	$1,220,000 (Nov 2011)
Tax Bill	$18,022 (2025)
Deeds & Mortgages	Jan 2020 Mortgage Jan 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`264-291-30-00`

Property Details

APN / Parcel Number

Primary APN	`264-291-30-00`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	3,538 sqft Living Area

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Lot Area	91,040 sqft
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	4 Parking Spaces

Location & Zoning

Street Address	3423 FORTUNA RANCH RD
City	ENCINITAS
State	CA
Zip	92024-5707
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 30 TR 011809
Legal Subdivision	ENCINITAS ESTATES
Legal Tract	011809
Legal Block	1
Legal Lot Number	30
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1028
Census Tract	17112

Owner

3423 Fortuna Ranch Rd is owned by a company that bought it in November 2011 and is owner-occupied.

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

Owner of Record	Company Name on File
Mailing Address	3423 FORTUNA RANCH RD, ENCINITAS, CA 92024-5707
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

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
Jan 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Jan 11, 2022	Deed of Trust, Mortgage · Conventional Mortgage BETHPAGE FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 2, 2011 · Amount on File
Deed Sale	Nov 2, 2011 · Amount on File
Prior Sale	Dec 13, 2002 · Amount on File
Deed Document Number	2011582721
Prior Transfer Date	Sep 14, 2011
Prior Transfer Doc	0000582720
Record Updated	Oct 29, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3423 FORTUNA RANCH RD, ENCINITAS, CA 92024-5707
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000026228
Date	Jan 17, 2020
Instrument	2020-0026228

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Feb 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	4.87%
Index	1-Year LIBOR
Max Rate	7.87%

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3423 FORTUNA RANCH RD, ENCINITAS, CA 92024-5707
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3423 FORTUNA RANCH RD, ENCINITAS, CA 92024-5707

Mortgage

Document Number	0000015487
Date	Jan 11, 2022
Instrument	2022-0015487

Lender

Name	BETHPAGE FCU
Type	Credit Union
Address	GLEN BURNIE, MD 21060

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2%
Type Change Date	Feb 1, 2027
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	4%
Index	1-Year CMT
Max Rate	8%

Tax Assessment & Valuation

The 2025 property tax bill for 3423 Fortuna Ranch Rd was $18,022 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		$1,563,022 (+2%) Land $896,816 Building $666,206
2025	$18,022.00 Homeowner's exemption	$1,532,376 Land $879,232 Building $653,144
2023	$17,115.00 (+0.59%) Homeowner's exemption	$1,472,875 Land $845,092 Building $627,783
2022	$17,014.00

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

Flood

FEMA maps place 3423 Fortuna Ranch Rd 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 3423 Fortuna Ranch Rd is moderate, ranking above 54% 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 54% of the US · lower than 68% 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 86 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 35
San Diego Broadband Fixed Wireless	500 / 100
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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