3507 Lone Hill Ln, Encinitas, CA 92024 Property Records

San Diego County property record for 3507 Lone Hill Ln, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 4,575 sqft · built 2000
Lot Size	2 acres (87,120 sqft)
Owner	Company Name on Record
Last Sale	$2,300,000 (Jul 2006)
Tax Bill	$36,786 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`264-390-15-00`

Property Details

APN / Parcel Number

Primary APN	`264-390-15-00`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Building Area	4,575 sqft Living Area

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Lot Area	87,120 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	3507 LONE HILL LN
City	ENCINITAS
State	CA
Zip	92024-7276
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 38 TR 012780
Legal Subdivision	ENCINITAS ESTATES
Legal Tract	012780
Legal Block	2
Legal Lot Number	38
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2024
Census Tract	17113

Owner

Source: San Diego County records, as of August 27, 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	Company Name on Record
Mailing Address	3507 LONE HILL LN, ENCINITAS, CA 92024-7276
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2026	Deed of Trust, Mortgage · Line of Credit ALLIANT CREDIT UNION
Sep 2, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage MUFG UNION BANK NA
Sep 12, 2019	Deed of Trust, Mortgage · ARM JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 21, 2006 · Amount on Record
Deed Sale	Jul 21, 2006 · Amount on Record
Prior Sale	Mar 1, 2005 · Amount on Record
Deed Document Number	2006515937
Last Transfer Date	Aug 27, 2021
Transfer Doc	0000626782
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 19, 2026
Property Address	3507 LONE HILL LN, ENCINITAS, CA 92024-7276
Document Number	0000243350
Instrument Date	Aug 12, 2026
Instrument	2026243350
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust, 221
Address	3507 LONE HILL LN, ENCINITAS, CA 92024-7276
Investor	Possibly a Property Investor

Mortgage

Document Number	0000243350,
Date	Aug 19, 2026
Instrument	2026243350

Lender

Name	ALLIANT CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Max Rate	-1%

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 2, 2021
Property Address	3507 LONE HILL LN, ENCINITAS, CA 92024-7276
Document Number	0000626782
Map Reference	MAP 12780
Instrument Date	Aug 27, 2021
Instrument	2021-0626782
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	CORINTHIAN TITLE COMPANY INC

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
Relationship	Family Trust
Address	3507 LONE HILL LN, ENCINITAS, CA 92024-7276

Mortgage

Document Number	0000626783
Date	Sep 2, 2021
Instrument	2021-0626783

Lender

Name	MUFG UNION BANK NA
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.62%
Type Change Date	Sep 1, 2031
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	4.62%
Index	Other
Max Rate	8.62%

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3507 LONE HILL LN, ENCINITAS, CA 92024-7276
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK TITLE CALIFORNIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000395952
Date	Sep 12, 2019
Instrument	2019-0395952

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.62%
Type Change Date	Oct 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	4.62%
Index	1-Year LIBOR
Max Rate	7.62%

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		$3,191,901 (+2%) Land $1,366,579 Building $1,825,322
2025	$36,786.00 (+7.22%) Homeowner's exemption	$3,129,316 (+4.04%) Land $1,339,784 Building $1,789,532
2023	$34,308.00 (+1.86%) Homeowner's exemption	$3,007,803 Land $1,287,759 Building $1,720,044
2022	$33,680.00

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 53% 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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