3655 Sage Canyon Dr, Encinitas, CA 92024 Property Records

San Diego County property record for 3655 Sage Canyon Dr, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,178 sqft · built 2001
Lot Size	0.329 acres (14,337 sqft)
Owner	2 Individual Names on File
Last Sale	$2,500,000 (Aug 2025)
Tax Bill	$25,421 (2025)
Deeds & Mortgages	Feb 2024 Mortgage Feb 2024 Sale + 5 more
Flood Zone	Zone X (minimal risk)
APN	`262-210-26-00`

Property Details

APN / Parcel Number

Primary APN	`262-210-26-00`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Building Area	3,178 sqft Living Area

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Lot Area	14,337 sqft (0.329 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	3655 SAGE CANYON DR
City	ENCINITAS
State	CA
Zip	92024-7918
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LOT 26 TR 013653
Legal Subdivision	ENCINITAS ESTATES
Legal Tract	013653
Legal Block	2
Legal Lot Number	26
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2000
Census Tract	17403

Owner

3655 Sage Canyon Dr is owned and occupied by two individuals who bought it in August 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	3655 SAGE CANYON DR, ENCINITAS, CA 92024-7918
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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
Feb 20, 2024	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK
Feb 20, 2024	Grant Deed, Transfer ACCOMODATION, ACCOMMODATION
Nov 8, 2023	Intrafamily Transfer, Transfer FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO
Nov 8, 2023	Grant Deed, Transfer · Conventional Mortgage TRUIST BANK
Jun 4, 2019	Deed of Trust, Mortgage · ARM WELLS FARGO BANK NA
Jul 29, 2022	Grant Deed, Transfer FIDELITY NATL TTL SAN DIEGO
Nov 6, 2017	Grant Deed, Transfer · Conventional Mortgage MUFG UNION BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 22, 2025 · Amount on File
Deed Sale	Aug 22, 2025 · Amount on File
Prior Sale	Jul 29, 2022 · Amount on File
Deed Document Number	2025232304
Prior Transfer Date	Nov 3, 2023
Prior Transfer Doc	0000311191
Record Updated	Sep 20, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3655 SAGE CANYON DR, ENCINITAS, CA 92024-7918
Transaction Type	Mortgage
Record Updated	Feb 28, 2024
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3655 SAGE CANYON DR, ENCINITAS, CA 92024-7918

Mortgage

Document Number	0000041987
Date	Feb 20, 2024
Instrument	2024-0041987

Lender

Name	TRUIST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Type Change Date	Mar 1, 2031
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.8%
Margin	3
Max Rate	10.8%

February 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 20, 2024
Property Address	3655 SAGE CANYON DR, ENCINITAS, CA 92024-7918
Document Number	0000041988
Map Reference	MAP 13653
Instrument Date	Feb 7, 2024
Instrument	2024-0041988
Transaction Type	Transfer
Record Updated	Feb 28, 2024
Title Company	ACCOMODATION, ACCOMMODATION

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	3655 SAGE CANYON DR, ENCINITAS, CA 92024-7918

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 8, 2023
Property Address	3655 SAGE CANYON DR, ENCINITAS, CA 92024-7918
Document Number	0000311191
Map Reference	MAP 13653
Instrument Date	Nov 3, 2023
Instrument	2023-0311191
Transaction Type	Transfer
Record Updated	Nov 17, 2023
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

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	3655 SAGE CANYON DR, ENCINITAS, CA 92024-7918

November 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 8, 2023
Property Address	3655 SAGE CANYON DR, ENCINITAS, CA 92024-7918
Document Number	0000311192
Map Reference	MAP 13653
Instrument Date	Oct 17, 2023
Instrument	2023-0311192
Transaction Type	Transfer
Record Updated	Nov 17, 2023
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

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	3655 SAGE CANYON DR, ENCINITAS, CA 92024-7918

Mortgage

Document Number	0000311193
Date	Nov 8, 2023
Instrument	2023-0311193

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Type Change Date	Dec 1, 2030
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.5%
Margin	3
Max Rate	11.5%

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3655 SAGE CANYON DR, ENCINITAS, CA 92024-7918
Transaction Type	Mortgage
Record Updated	Jul 22, 2022
Title Company	CHICAGO TITLE COMPANY SD

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000214346
Date	Jun 4, 2019
Instrument	2019-0214346

Lender

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

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Jun 1, 2029
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.25%
Index	1-Year LIBOR
Max Rate	8.25%

July 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 29, 2022
Property Address	3655 SAGE CANYON DR, ENCINITAS, CA 92024-7918
Document Number	0000309701
Map Reference	MAP 13653
Instrument Date	Jul 8, 2022
Instrument	2022-0309701
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	FIDELITY NATL TTL SAN DIEGO

Transaction

Amount	Amount 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
Address	3655 SAGE CANYON DR, ENCINITAS, CA 92024-7918

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 6, 2017
Property Address	3655 SAGE CANYON DR, ENCINITAS, CA 92024-7918
Document Number	0000518303
Map Reference	MAP13653
Instrument Date	Oct 10, 2017
Instrument	2017-0518303
Transaction Type	Transfer
Record Updated	Jul 22, 2022
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
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	Joint Tenants
Address	3655 SAGE CANYON DR, ENCINITAS, CA 92024-7918

Mortgage

Document Number	0000518304
Date	Nov 6, 2017
Instrument	2017-0518304

Lender

Name	MUFG UNION BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2047

Interest

Rate Type	Fixed Rate
Rate	3.62%
Type Change Date	Dec 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.62%
Index	1-Year LIBOR
Max Rate	9.62%

Tax Assessment & Valuation

The 2025 property tax bill for 3655 Sage Canyon Dr was $25,421.

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		$2,500,000 (+14%) Land $1,800,000 Building $700,000
2025	$25,421.00	$2,193,000 Land $1,530,000 Building $663,000
2023	$21,639.00 (+24.85%)	$1,910,000 Land $1,335,000 Building $575,000
2022	$17,332.00

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

Flood

FEMA maps place 3655 Sage Canyon Dr 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	2 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 3655 Sage Canyon Dr is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 97.4% 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 208 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: GeoLinks, San Diego Broadband, Ting.

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