San Diego County property record for 355 Cole Ranch Rd, Encinitas, CA 92024
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,526 sqft · built 1970 |
| Lot Size | 0.54 acres (23,522 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $157,500 (May 1983) |
| Tax Bill | $3,920 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Feb 2019 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 265-026-03-00 |
| Primary APN | 265-026-03-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,526 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Material | Wood Shingle |
| Lot Area | 23,522 sqft (0.54 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Radiant |
|---|---|
| Sewer | Connected |
| Water Source | Commercial |
| Old Parcel Number | 2653321700 |
|---|---|
| Street Address | 355 COLE RANCH RD |
| City | ENCINITAS |
| State | CA |
| Zip | 92024-6417 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR2 |
| Legal Description | BLK 32 ST CLSD ADJ&WLY 156.15 FT OF SLY 140 FT OF NLY 300 FT OF TR 000326 |
| Legal Subdivision | OLIVENHAIN COLONY |
| Legal Tract | 000326 |
| Legal Block | 32 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | SAN DIEGO |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 17111 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 355 COLE RANCH RD, ENCINITAS, CA 92024-6417 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
| Date | Document |
|---|---|
| Nov 1, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GOOLEAP LLC |
| Feb 25, 2019 | Loan Modification, Mortgage · Line of Credit PNC BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 13, 1983 · Amount on Record |
| Deed Sale | May 13, 1983 · Amount on Record |
| Deed Document Number | 1983158406 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 355 COLE RANCH RD, ENCINITAS, CA 92024-6417 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2021 |
| Name | Verified Name |
|---|---|
| Address | 355 COLE RANCH RD, ENCINITAS, CA 92024-6417 |
| Document Number | 0000760174 |
|---|---|
| Date | Nov 1, 2021 |
| Instrument | 2021-0760174 |
| Name | GOOLEAP LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | ROSEVILLE, CA 95661 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Nov 1, 2041 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 355 COLE RANCH RD, ENCINITAS, CA 92024-6417 |
| Document Number | 0000121863 |
| Instrument Date | Feb 25, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 15, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 355 COLE RANCH RD ENCINITAS CA 920246417, ENCINITAS, CA 92024-6417 |
| Document Number | 0000121863 |
|---|---|
| Date | Apr 5, 2019 |
| Instrument | 121863 |
| Name | PNC BK |
|---|---|
| Type | Bank |
| Address | MIAMISBURG, OH 45342 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Apr 4, 2024 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.06% |
Source: San Diego County assessment roll, as of July 28, 2026
| 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) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $332,801 (+2%) Land $179,611 Building $153,190 | |
| 2025 | $3,920.00 (+9.04%) | $326,277 (+4.04%) Land $176,090 Building $150,187 |
| 2023 | $3,595.00 (+2.45%) Homeowner's exemption | $313,609 Land $169,253 Building $144,356 |
| 2022 | $3,509.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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.
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.
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 |
| 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.
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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