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409 Cole Ranch Rd, Encinitas, CA 92024 Property Records

San Diego County property record for 409 Cole Ranch Rd, Encinitas, CA 92024

Property Summary

Property TypeSingle Family Home
Details5 bd · 3.5 ba · 4,750 sqft · built 1980
Lot Size1.56 acres (68,389 sqft)
OwnerCompany Name on Record
Last Sale$1,050,000 (May 2013)
Tax Bill$7,247 (2025)
Deeds & MortgagesJan 2021 Transfer
Oct 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN265-025-06-00

Property Details

APN / Parcel Number

Primary APN265-025-06-00
Alternative APN
  • 2653320700

Interior

Bedrooms5 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Building Area4,750 sqft Living Area

Exterior

Year BuiltBuilt 1980
Effective Year BuiltEffective 1980
Lot Area68,389 sqft
Parking Spaces2 Parking Spaces

Location & Zoning

Old Parcel Number2653320700
Street Address409 COLE RANCH RD
CityENCINITAS
StateCA
Zip92024-6518
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRR2
Legal DescriptionBLK 37 SLY 200 FT MA WLY LI OF STS CLSD ADJ & TR 000326
Legal SubdivisionOLIVENHAIN COLONY
Legal Tract000326
Legal Block37
JurisdictionSAN DIEGO CA
Township / Civil DivisionSAN DIEGO
Census Block Group2
Census Block2017
Census Tract17111

Owner

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

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

Owner of RecordCompany Name on Record
Mailing Address409 COLE RANCH RD, ENCINITAS, CA 92024-6518
Owner TypeCompany
VestingBorrower in Default

Deeds, Mortgages & Sale History

DateDocument
Jan 22, 2021Quit Claim Deed, Transfer
ATTORNEY ONLY
Oct 16, 2020Intrafamily Transfer, Transfer · Conventional Mortgage
CITY NATIONAL BANK

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMay 29, 2013 · Amount on Record
Deed SaleMay 29, 2013 · Amount on Record
Deed Document Number2013335595
Last Transfer DateJan 21, 2021
Transfer Doc0000050915
Record UpdatedOct 29, 2026

January 2021: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSAN DIEGO CA
Recording DateJan 22, 2021
Property Address409 COLE RANCH RD, ENCINITAS, CA 92024-6518
Document Number0000050915
Instrument DateJan 21, 2021
Instrument50915
Transaction TypeTransfer
Record UpdatedJan 29, 2021
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address409 COLE RANCH RD ENCINITAS CA 920246518, ENCINITAS, CA 92024-6518

October 2020: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSAN DIEGO CA
Recording DateOct 16, 2020
Property Address409 COLE RANCH RD, ENCINITAS, CA 92024-6518
Document Number0000630300
Map ReferenceMAP 326
Instrument DateSep 22, 2020
Instrument2020-0630300
Transaction TypeTransfer
Record UpdatedAug 24, 2021
Title CompanyFIDELITY NATIONAL TITLE CO

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address409 COLE RANCH RD, ENCINITAS, CA 92024-6518

Mortgage

Document Number0000630301
DateOct 16, 2020
Instrument2020-0630301
Lender
NameCITY NATIONAL BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueNov 1, 2035

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 28, 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

YearTax BillAssessed Value
2026$555,775 (+2%) Land $74,903 Building $480,872
2025$7,247.00 (+3.44%)$544,879 (+4.04%) Land $73,435 Building $471,444
2023$7,006.00 (-1.93%)$523,723 Land $70,585 Building $453,138
2022$7,144.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 3, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 11 policies
Nearby Flood Policies11 in force
Nearby Flood Claims2 (2010–2020)
Claims Outside the SFHA1 of 2
Most Recent ClaimApr 2020 · rainfall accumulation

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 RiskLow
lower than 98% of the US · lower than 98.4% of California
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond 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 SystemOLIVENHAIN MWD
serves 86,458 people · EPA ID CA3710029
Water SourcePurchased surface water from several systems
Last State InspectionMay 2024
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 250 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Cox Communications
Cable		2,000 / 100
Verizon
Fixed Wireless		300 / 20
AT&T
DSL		100 / 20

May also be available: GeoLinks, San Diego Broadband, Spectrum, T-Mobile, Ting.

Cell Coverage

5G (outdoors only) and 4G LTE

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