3551 Fortuna Ranch Rd, Encinitas, CA 92024 Property Records

San Diego County property record for 3551 Fortuna Ranch Rd, Encinitas, CA 92024

Property Summary

Property Type	Duplex
Details	4 bd · 3 ba · 1,992 sqft · built 1974
Lot Size	2.31 acres (101,059 sqft)
Owner	2 Company Names on Record
Last Sale	$1,900,000 (Aug 2025)
Tax Bill	$2,409 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Sep 2025 Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`264-101-38-00`

Property Details

APN / Parcel Number

Primary APN	`264-101-38-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Units	2 Units
Building Area	1,992 sqft Living Area

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Duplex Single
Lot Area	101,059 sqft
Garage Type	Carport
Carport	Carport

Location & Zoning

Street Address	3551 FORTUNA RANCH RD
City	ENCINITAS
State	CA
Zip	92024-7214
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RR
Legal Description	PAR 4 TR PM01185
Legal Subdivision	CHATSWORTH TERRACE ANX
Legal Tract	1185
Legal Block	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1028
Census Tract	17112

Owner

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 Company Names on Record
Mailing Address	1440 AKITA LN, ENCINITAS, CA 92024-5701
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 3, 2025	Deed of Trust, Mortgage · Commercial Mortgage LAKE WATER INVESTMENTS LLC
Sep 3, 2025	Deed of Trust, Mortgage · Commercial Mortgage HIGH SOUTH COAST FUNDING LLC
Aug 20, 2025	Grant Deed, Transfer · Conventional Mortgage NEXERA HOLDING LLC
Aug 20, 2025	Intrafamily Transfer, Transfer STEWART TITLE, STEWART TITLE OF CA INC
Aug 20, 2025	Grant Deed, Transfer STEWART TITLE, STEWART TITLE OF CA INC
Aug 20, 2025	Grant Deed, Transfer STEWART TITLE, STEWART TITLE OF CA INC
Jun 24, 2025	Intrafamily Transfer, Transfer
Jun 24, 2025	Intrafamily Transfer, Transfer
Jun 24, 2025	Grant Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 20, 2025 · Amount on Record
Deed Sale	Aug 20, 2025 · Amount on Record
Deed Document Number	2025229129
Prior Transfer Date	Jul 22, 2011
Prior Transfer Doc	0000524033
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3551 FORTUNA RANCH RD, ENCINITAS, CA 92024-7214
Transaction Type	Mortgage
Record Updated	Oct 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1440 AKITA LN, ENCINITAS, CA 92024-5701

Mortgage

Document Number	0000242705
Date	Sep 3, 2025
Instrument	2025-0242705

Lender

Name	LAKE WATER INVESTMENTS LLC
Type	Non-Lending Institution
Address	KEMMERER, WY 83101

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3551 FORTUNA RANCH RD, ENCINITAS, CA 92024-7214
Transaction Type	Mortgage
Record Updated	Oct 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6937 CALAMARAN, CARLSBAD, CA 92011-3219

Mortgage

Document Number	0000242689
Date	Sep 3, 2025
Instrument	2025-0242689

Lender

Name	HIGH SOUTH COAST FUNDING LLC
Type	Non-Lending Institution
Address	KEMMERER, WY 83101

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

August 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 20, 2025
Property Address	3551 FORTUNA RANCH RD, ENCINITAS, CA 92024-7214
Document Number	0000229129
Instrument Date	Jul 16, 2025
Instrument	2025-0229129
Transaction Type	Transfer
Record Updated	Oct 9, 2025
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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
Relationship	Family Trust
Address	440 AKITA LANE, ENCINITAS, CA 92024

Mortgage

Document Number	0000229130
Date	Aug 20, 2025
Instrument	2025-0229130

Lender

Name	NEXERA HOLDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2055

August 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 20, 2025
Property Address	3551 FORTUNA RANCH RD, ENCINITAS, CA 92024-7214
Document Number	0000229128
Instrument Date	Jul 14, 2025
Instrument	2025-0229128
Transaction Type	Transfer
Record Updated	Oct 9, 2025
Title Company	STEWART TITLE, STEWART TITLE OF CA 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	26 SAGE CRK, IRVINE, CA 92603-0411

August 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 20, 2025
Property Address	3551 FORTUNA RANCH RD, ENCINITAS, CA 92024-7214
Document Number	0000229126
Map Reference	MB OF PG 1185
Instrument Date	Jul 14, 2025
Instrument	2025-0229126
Transaction Type	Transfer
Record Updated	Oct 9, 2025
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	26 SAGE CRK, IRVINE, CA 92603-0411

August 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 20, 2025
Property Address	3551 FORTUNA RANCH RD, ENCINITAS, CA 92024-7214
Document Number	0000229127
Map Reference	MB OF PG 1185
Instrument Date	Jul 14, 2025
Instrument	2025-0229127
Transaction Type	Transfer
Record Updated	Oct 9, 2025
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	26 SAGE CRK, IRVINE, CA 92603-0411

June 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 24, 2025
Property Address	3551 FORTUNA RANCH RD, ENCINITAS, CA 92024-7214
Document Number	0000166946
Map Reference	PG 1185
Instrument Date	May 23, 2025
Instrument	2025-0166946
Transaction Type	Transfer
Record Updated	Oct 9, 2025

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	226 SAGE CREEK, IRVINE, CA 92603

June 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 24, 2025
Property Address	3551 FORTUNA RANCH RD, ENCINITAS, CA 92024-7214
Document Number	0000166943
Map Reference	PG 1185
Instrument Date	May 23, 2025
Instrument	2025-0166943
Transaction Type	Transfer
Record Updated	Oct 9, 2025

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

June 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 24, 2025
Property Address	3551 FORTUNA RANCH RD, ENCINITAS, CA 92024-7214
Document Number	0000166945
Map Reference	PG 1185
Instrument Date	May 23, 2025
Instrument	2025-0166945
Transaction Type	Transfer
Record Updated	Oct 9, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	226 SAGE CREEK, IRVINE, CA 92603

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		$1,900,000 (+824.65%) Land $1,600,000 Building $300,000
2025	$2,409.00 (+5.94%)	$205,483 (+4.04%) Land $67,432 Building $138,051
2023	$2,274.00 (+2.11%)	$197,506 Land $64,814 Building $132,692
2022	$2,227.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 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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