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3981 Rancho Summit Dr, Encinitas, CA 92024 Property Records

San Diego County property record for 3981 Rancho Summit Dr, Encinitas, CA 92024 · Last verified July 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms5.5 Baths
Year BuiltBuilt 2020
Square Footage5,237 sqft Living Area
Lot Size1.23 acres
OccupancyOwner Occupied
Last Sale$2,369,500 (2020)
Tax Bill$29,707.00 (2025)

Property Details

APN / Parcel Number

Primary APN264-591-10-00

Interior

Bedrooms4 Beds
Full Baths5.5 Baths
Partial Baths1 Partial Baths
Building Area5,237 sqft Living Area

Exterior

Year BuiltBuilt 2020
Effective Year BuiltEffective 2020
Lot Area54,014 sqft
Parking Spaces4 Parking Spaces

Location & Zoning

Street Address3981 RANCHO SUMMIT DR
CityENCINITAS
StateCA
Zip92024-7278
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionLOT 28 TR 014032
Legal SubdivisionENCINITAS ESTATES
Legal Tract014032
Legal Block2
Legal Lot Number28
JurisdictionSAN DIEGO CA
Minor Civil DivisionSAN DIEGO
Census Blockgroup2
Census Block2019
Census Tract17113

Owner

Source: San Diego County records · APN 264-591-10-00

Assessment roll updated July 21, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address3981 RANCHO SUMMIT DR, ENCINITAS, CA 92024-7278
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Jan 03, 2023Deed of Trust, Mortgage · Line of Credit
ZB NA
Aug 08, 2022Deed of Trust, Mortgage · Conventional Mortgage
SAN DIEGO COUNTY CU
May 20, 2021Deed of Trust, Mortgage · Line of Credit
ZB NA
Nov 23, 2020Grant Deed, Subdivision Related Transfer · Conventional Mortgage
RESIDENTIAL BANCORP

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleNov 23, 2020 · Amount on Record
Deed SaleNov 23, 2020 · Amount on Record
Prior SaleJan 09, 2015 · Amount on Record
Deed Doc Number2020743724
Record RefreshedSep 20, 2026

January 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address3981 RANCHO SUMMIT DR, ENCINITAS, CA 92024-7278
Transaction TypeMortgage
Record UpdatedJan 11, 2023
Title CompanyCHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name
Address3981 RANCHO SUMMIT DR, ENCINITAS, CA 92024-7278

Mortgage

Document Number0000000986
DateJan 03, 2023
Instrument2023-0000986
Lender
NameZB NA
TypeBank
AddressCARLSBAD, CA 92011
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).

August 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address3981 RANCHO SUMMIT DR, ENCINITAS, CA 92024-7278
Transaction TypeMortgage
Record UpdatedAug 17, 2022
Title CompanyPLACER TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address3981 RANCHO SUMMIT DR, ENCINITAS, CA 92024-7278

Mortgage

Document Number0000320897
DateAug 08, 2022
Instrument2022-0320897
Lender
NameSAN DIEGO COUNTY CU
TypeCredit Union
AddressSAN DIEGO, CA 92121
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2052

May 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address3981 RANCHO SUMMIT DR, ENCINITAS, CA 92024-7278
Transaction TypeMortgage
Record UpdatedJul 25, 2022
Title CompanyORANGE COAST TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address3981 RANCHO SUMMIT DR, ENCINITAS, CA 92024-7278

Mortgage

Document Number0000382800
DateMay 20, 2021
Instrument2021-0382800
Lender
NameZB NA
TypeBank
AddressCARLSBAD, CA 92011
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).

November 2020: Grant Deed, Subdivision Related Transfer

Document TypeGrant Deed
JurisdictionSAN DIEGO CA
Recording DateNov 23, 2020
Property Address3981 RANCHO SUMMIT DR, ENCINITAS, CA 92024-7278
Document Number0000743724
Map ReferenceMAP 14032
Instrument DateJul 23, 2019
Instrument2020-0743724
Transaction TypeSubdivision Related Transfer
Record UpdatedJul 25, 2022
Title CompanyFIDELITY NATIONAL TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCommunity Property (Marital Community) with Rights of Survivorship
Address3981 RANCHO SUMMIT DR, ENCINITAS, CA 92024-7278

Mortgage

Document Number0000743725
DateNov 23, 2020
Instrument2020-0743725
Lender
NameRESIDENTIAL BANCORP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueDec 01, 2050

Tax Assessment & Valuation

Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySan Diego County
MunicipalityEncinitas City
Elementary School DistrictEncinitas Union Elementary School District (KG - 06)
Secondary School DistrictSan Dieguito Union High School District (07 - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed Value
2026$2,740,507 (+2%) Land $1,214,487 Building $1,526,020
2025$29,707.00 (+8.7%) Homeowner's exemption$2,686,773 (+6.84%) Land $1,190,674 Building $1,496,099
2023$27,330.00 (+3.97%) Homeowner's exemption$2,514,797 Land $1,144,440 Building $1,370,357
2022$26,287.00

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