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406 la Costa Ave, Encinitas, CA 92024 Property Records

San Diego County property record for 406 la Costa Ave, Encinitas, CA 92024 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details5 bd · 5.5 ba · 4,061 sqft · built 2007
Lot Size0.68 acres (29,621 sqft)
OwnerCompany Name on File
Last Sale$5,675,000 (May 2021)
Tax Bill$56,236 (2025)
Deeds & MortgagesFeb 2017 Mortgage
May 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN216-030-89-00

Property Details

APN / Parcel Number

Primary APN216-030-89-00
Alternative APN
  • 2160305200

Interior

Bedrooms5 Beds
Full Baths5.5 Baths
Half Baths1 Half Bath
Building Area4,061 sqft Living Area

Exterior

Year BuiltBuilt 2007
Effective Year BuiltEffective 2007
Lot Area29,621 sqft (0.68 acres)
View / LotGood
Garage TypeCarport
CarportCarport

Location & Zoning

Old Parcel Number2160305200
Street Address406 LA COSTA AVE
CityENCINITAS
StateCA
Zip92024-1113
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionPAR 2 PAR A PER DOC12-0328690 IN PAR 1&IN TR PM10941
Legal SubdivisionF SAN DIEGO
Legal Tract10941
Legal Block1
Legal Lot Number7,8
JurisdictionSAN DIEGO CA
Township / Civil DivisionSAN DIEGO
Census Block Group1
Census Block1004
Census Tract17701

Owner

Source: San Diego County records · APN 216-030-89-00

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 RecordCompany Name on File
Mailing Address406 LA COSTA AVE, ENCINITAS, CA 92024-1113
OccupancyOwner Occupied
Owner TypeCompany
VestingBorrower in Default

Deeds, Mortgages & Sale History

DateDocument
Feb 07, 2017Deed of Trust, Mortgage · Commercial Mortgage
PNC BANK NA
May 11, 2021Grant Deed, Transfer · Conventional Mortgage
CAPSTONE DIRECT INC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMay 11, 2021 · Amount on Record
Deed SaleMay 11, 2021 · Amount on Record
Prior SaleDec 28, 2012 · Amount on Record
Deed Document Number2021360254
Prior Transfer DateMay 01, 2012
Prior Transfer Doc0000254519
Record UpdatedSep 20, 2026

February 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address406 LA COSTA AVE, ENCINITAS, CA 92024-1113
Transaction TypeMortgage
Record UpdatedJul 25, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000061752
DateFeb 07, 2017
Instrument2017-0061752
Lender
NamePNC BANK NA
TypeBank
AddressWILMINGTON, DE 19801
Agreement
TypeCommercial Mortgage
AmountAmount Recorded
Term143 Months
DueJan 27, 2029

May 2021: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSAN DIEGO CA
Recording DateMay 11, 2021
Property Address406 LA COSTA AVE, ENCINITAS, CA 92024-1113
Document Number0000360254
Map ReferenceFILE 81-029896
Instrument DateApr 30, 2021
Instrument2021-0360254
Transaction TypeTransfer
Record UpdatedJun 07, 2023
Title CompanyFIRST AMERICAN TITLE INS CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLiving Trust
Address406 LA COSTA AVE, ENCINITAS, CA 92024-1113

Mortgage

Document Number0000360255
DateMay 11, 2021
Instrument2021-0360255
Lender
NameCAPSTONE DIRECT INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJun 01, 2051

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$5,245,149 (+2%) Land $4,478,064 Building $767,085
2025$56,236.00 (+7.48%) Homeowner's exemption$5,142,304 (+5.17%) Land $4,390,259 Building $752,045
2023$52,322.00 (+2.12%) Homeowner's exemption$4,889,664 Land $4,219,781 Building $669,883
2022$51,237.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, San Diego County (06073C), updated September 3, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060730177011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Nearby Flood Policies1 in force

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 91 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Cox CommunicationsCable2,000 / 100
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20
AT&TDSL100 / 20
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: Ting Fiber. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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