405 Village Center Dr, Encinitas, CA 92024 Property Records

San Diego County property record for 405 Village Center Dr, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,321 sqft · built 1980
Lot Size	0.193 acres (8,402 sqft)
Owner	2 Individual Names on File
Last Sale	$731,500 (Feb 2018)
Tax Bill	$9,577 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Jan 2019 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`257-302-12-00`

Property Details

APN / Parcel Number

Primary APN	`257-302-12-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,321 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Conventional
Exterior Material	Stucco
Roof Material	Wood Shingle
Lot Area	8,402 sqft (0.193 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	405 VILLAGE CENTER DR
City	ENCINITAS
State	CA
Zip	92024-1996
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8
Legal Description	LOT 140 TR 008613
Legal Subdivision	VILLAGE PARK NORTH COUNTRY
Legal Tract	008613
Legal Block	2
Legal Lot Number	140
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2012
Census Tract	17108

Owner

405 Village Center Dr is owned and occupied by two individuals who bought it in February 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	405 VILLAGE CENTER DR, ENCINITAS, CA 92024-1996
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
Jul 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERIS BANK
Jan 2, 2019	Deed of Trust, Mortgage · Line of Credit HOMESTREET BANK
Mar 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Feb 8, 2018	Grant Deed, Transfer · Conventional Mortgage HOMESTREET BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 8, 2018 · Amount on File
Deed Sale	Feb 8, 2018 · Amount on File
Prior Sale	Sep 13, 1996 · Amount on File
Deed Document Number	201851726
Prior Transfer Date	Oct 9, 1996
Prior Transfer Doc	0000511756
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	405 VILLAGE CENTER DR, ENCINITAS, CA 92024-1996
Transaction Type	Mortgage
Record Updated	Aug 23, 2022
Title Company	GUARDIAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000371249
Date	Jul 13, 2020
Instrument	2020-0371249

Lender

Name	AMERIS BANK
Type	Bank
Address	MARIETTA, GA 30067

Agreement

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

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	405 VILLAGE CENTER DR, ENCINITAS, CA 92024-1996
Transaction Type	Mortgage
Record Updated	Aug 23, 2022
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000904
Date	Jan 2, 2019
Instrument	2019-0000904

Lender

Name	HOMESTREET BANK
Type	Bank
Address	SEATTLE, WA 98101

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Dec 15, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	405 VILLAGE CENTER DR, ENCINITAS, CA 92024-1996
Transaction Type	Mortgage
Record Updated	Aug 23, 2022
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 VILLAGE CENTER DR, ENCINITAS, CA 92024-1996

Mortgage

Document Number	0000162615
Date	Mar 2, 2021
Instrument	2021-0162615

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

February 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 8, 2018
Property Address	405 VILLAGE CENTER DR, ENCINITAS, CA 92024-1996
Document Number	0000051726
Map Reference	MAP 8613
Instrument Date	Jan 11, 2018
Instrument	2018-0051726
Transaction Type	Transfer
Record Updated	Aug 23, 2022
Title Company	CHICAGO 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	Community Property with Right of Survivorship
Address	405 VILLAGE CENTER DR, ENCINITAS, CA 92024-1996

Mortgage

Document Number	0000051727
Date	Feb 8, 2018
Instrument	2018-0051727

Lender

Name	HOMESTREET BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 405 Village Center Dr was $9,577 with a homeowner's exemption.

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		$848,671 (+2%) Land $560,453 Building $288,218
2025	$9,577.00 Homeowner's exemption	$832,031 Land $549,464 Building $282,567
2023	$8,937.00 (+2.42%) Homeowner's exemption	$799,725 Land $528,129 Building $271,596
2022	$8,726.00

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

Flood

FEMA maps place 405 Village Center 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

The area around 405 Village Center Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 788 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
AT&T DSL	100 / 20

May also be available: GeoLinks, T-Mobile, Ting, Verizon.

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