San Diego County property record for 395 Sunset Dr, #97, Encinitas, CA 92024 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 5 Baths |
| Year Built | Built 2022 |
| Square Footage | 5,660 sqft Living Area |
| Lot Size | 27,007 sqft (0.62 acres) |
| Tax Bill | $36,720.00 (2025) |
Source: San Diego County records · APN 256-314-58-00
Assessment roll updated July 28, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 395 SUNSET DR, ENCINITAS, CA 92024-2638 |
| Owner Type | Owner is a Company |
| Vesting | Trustor/Debtor (Borrower in Default/Foreclosure On Trustee's Deed) |
| Date | Document |
|---|---|
| Aug 05, 2026 | Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK |
| Nov 20, 2025 | Deed of Trust, Mortgage · Conventional Mortgage BMO BANK NA |
| Deed Names | Verified Name on Deed |
|---|---|
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Aug 05, 2026 |
| Property Address | 395 SUNSET DR, 97, ENCINITAS, CA 92024-2638 |
| Document Number | 0000225688 |
| Instrument Date | Jul 28, 2026 |
| Instrument | 2026225688 |
| Transaction Type | Mortgage |
| Record Updated | Aug 13, 2026 |
| Title Company | FIRST AMERICAN TITLE INSURAN C, FIRST AMERICAN TITLE INSURAN |
| Name | Verified Name |
|---|---|
| Relationship | Family Trust, 221 |
| Address | 395 SUNSET DR, ENCINITAS, CA 92024-2638 |
| Document Number | 0000225688, |
|---|---|
| Date | Aug 05, 2026 |
| Instrument | 2026225688 |
| Name | BMO HARRIS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 03, 2056 |
| Rate | 6.43% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 395 SUNSET DR # 97, 97, ENCINITAS, CA 92024-2638 |
| Transaction Type | Mortgage |
| Record Updated | Dec 01, 2025 |
| Name | Verified Name |
|---|---|
| Address | 395 SUNSET DR, ENCINITAS, CA 92024-2638 |
| Document Number | 0000329397 |
|---|---|
| Date | Nov 20, 2025 |
| Instrument | 2025-0329397 |
| Name | BMO BANK NA |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60606 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.12% |
| Type Change Date | Dec 01, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 10.1% |
| Index | SOFR Average 30-Day |
| Max Rate | 10.1% |
Source: San Diego County records · Assessment roll updated July 28, 2026 · Last verified August 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) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $3,419,500 (+2%) Land $1,737,465 Building $1,682,035 | |
| 2025 | $36,720.00 (+6.36%) | $3,352,452 (+4.04%) Land $1,703,398 Building $1,649,054 |
| 2023 | $34,523.00 | $3,222,274 Land $1,637,254 Building $1,585,020 |
Source: FEMA National Flood Hazard Layer, San Diego County (06073C), updated September 3, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | 256-314-58-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 5 Baths |
| Building Area | 5,660 sqft Living Area |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Lot Area | 27,007 sqft (0.62 acres) |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 395 SUNSET DR, 97 |
|---|---|
| City | ENCINITAS |
| State | CA |
| Zip | 92024-2638 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | PAR 1 TR PM21923 |
| Legal Subdivision | CITY OF ENCINITAS TPM 42762020 |
| Jurisdiction | SAN DIEGO CA |
| Minor Civil Division | SAN DIEGO |
| Census Blockgroup | 1 |
| Census Block | 1006 |
| Census Tract | 17603 |
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