3838 Manchester Ave, Encinitas, CA 92024 Property Records

San Diego County property record for 3838 Manchester Ave, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,456 sqft · built 1984
Lot Size	0.193 acres (8,426 sqft)
Owner	2 Company Names on Record
Last Sale	$356,000 (Mar 1999)
Tax Bill	$6,127 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Jul 2022 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`262-061-34-00`

Property Details

APN / Parcel Number

Primary APN	`262-061-34-00`
Alternative APN	`2620601400`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,456 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Contemporary
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	8,426 sqft (0.193 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Septic
Water Source	Commercial

Location & Zoning

Old Parcel Number	2620601400
Street Address	3838 MANCHESTER AVE
City	ENCINITAS
State	CA
Zip	92024-4921
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	SEC 24-13-4W SW 1/4 POR SE 1/4 OF
Legal Range	04W
Legal Township	13
Legal Section	24
Legal Block	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1009
Census Tract	17106

Owner

Source: San Diego County records, as of July 28, 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	2 Company Names on Record
Mailing Address	3838 MANCHESTER AVE, ENCINITAS, CA 92024-4921
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2026	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Jul 13, 2022	Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC
Jul 23, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 23, 2020	Quit Claim Deed, Transfer NORTH AMERICAN TITLE
Jan 16, 2020	Quit Claim Deed, Transfer LAWYERS TITLE-SD
Jan 16, 2020	Quit Claim Deed, Transfer OTHER INSTITUTIONAL LENDERS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 1999 · Amount on Record
Deed Sale	Mar 31, 1999 · Amount on Record
Prior Sale	Aug 26, 1987 · Amount on Record
Deed Document Number	1999213426
Last Transfer Date	Jul 17, 2020
Transfer Doc	0000396255
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 15, 2026
Property Address	3838 MANCHESTER AVE, ENCINITAS, CA 92024-4921
Document Number	0000104417
Instrument Date	Apr 9, 2026
Instrument	2026104417
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust, 212
Address	3838 MANCHESTER AVE, ENCINITAS, CA 92024-4921

Mortgage

Document Number	0000104417,
Date	Apr 15, 2026
Instrument	2026104417

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3838 MANCHESTER AVE, ENCINITAS, CA 92024-4921
Transaction Type	Mortgage
Record Updated	Jul 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3838 MANCHESTER AVE, ENCINITAS, CA 92024-4921

Mortgage

Document Number	0000286228
Date	Jul 13, 2022
Instrument	2022-0286228

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	LIMA, OH 45801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 5, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 23, 2020
Property Address	3838 MANCHESTER AVE, ENCINITAS, CA 92024-4921
Document Number	0000396255
Instrument Date	Jul 17, 2020
Instrument	2020-0396255
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	NORTH AMERICAN TITLE COMPANY

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	Joint Tenants
Address	3838 MANCHESTER AVE, ENCINITAS, CA 92024-4921

Mortgage

Document Number	0000396256
Date	Jul 23, 2020
Instrument	2020-0396256

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 23, 2020
Property Address	3838 MANCHESTER AVE, ENCINITAS, CA 92024-4921
Document Number	0000396257
Instrument Date	Jul 17, 2020
Instrument	396257
Transaction Type	Transfer
Record Updated	Jul 31, 2020
Title Company	NORTH AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	3838 MANCHESTER AVE ENCINITAS CA 920244921, ENCINITAS, CA 92024-4921

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 16, 2020
Property Address	3838 MANCHESTER AVE, ENCINITAS, CA 92024-4921
Document Number	0000025631
Instrument Date	Jan 9, 2020
Instrument	25631
Transaction Type	Transfer
Record Updated	Jan 31, 2020
Title Company	LAWYERS TITLE-SD

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	3838 MANCHESTER AVE ENCINITAS CA 920244921, ENCINITAS, CA 92024-4921

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 16, 2020
Property Address	3838 MANCHESTER AVE, ENCINITAS, CA 92024-4921
Document Number	0000025629
Instrument Date	Jan 9, 2020
Instrument	25629
Transaction Type	Transfer
Record Updated	Jan 31, 2020
Title Company	LAWYERS TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3838 MANCHESTER AVE ENCINITAS CA 920244921, ENCINITAS, CA 92024-4921

Mortgage

Document Number	25630
Date	Jan 16, 2020
Instrument	25630

Lender

Name	OTHER INSTITUTIONAL LENDERS
Type	Bank
Address	OCEANSIDE, CA 92054

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 15, 2050

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		$569,242 (+2%) Land $199,993 Building $369,249
2025	$6,127.00 (+3.65%)	$558,081 (+4.04%) Land $196,072 Building $362,009
2024	$5,911.00 (+2.32%)
2023	$5,777.00 (+2.03%)	$536,411 Land $188,459 Building $347,952
2022	$5,662.00

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
Flood Insurance Cost	Premium on Record median of 19 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	19 in force
Nearby Flood Claims	12 (1978–2020)
Claims Outside the SFHA	6 of 12
Most Recent Claim	Apr 2020 · rainfall accumulation
Claims by Event	Severe Winter Storms, Flooding, Landslides, Mud Flows, Jan 1995 · 2 claims

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	Low lower than 94% of the US · lower than 96% of California
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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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