4285 Encore Dr, Santa Barbara, CA 93110 Property Records

Santa Barbara County property record for 4285 Encore Dr, Santa Barbara, CA 93110

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,827 sqft · built 1960
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on File
Tax Bill	$11,241 (2025)
Deeds & Mortgages	Dec 2021 Line of Credit Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`061-232-004`

Property Details

APN / Parcel Number

Primary APN	`061-232-004`
Alternative APN	`06123204`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Building Area	1,827 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Lot Area	11,326 sqft (0.26 acres)

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	4285 ENCORE DR
City	SANTA BARBARA
State	CA
Zip	93110-1825
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	10R1
Legal Description	TRACT 10079 LOT 46
Legal Subdivision	TRACT 10 079
Legal Tract	10079
Legal Lot Number	46
Jurisdiction	SANTA BARBARA CA
Township / Civil Division	SANTA BARBARA
Census Block Group	2
Census Block	2001
Census Tract	3007

Owner

Source: Santa Barbara County records, as of July 8, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 5221, SANTA BARBARA, CA 93150-5221
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2021	Deed of Trust, Mortgage · Line of Credit KEYPOINT CU
Jul 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS
Jan 26, 2017	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 17, 2008
Deed Sale	Dec 17, 2008
Deed Document Number	200869504
Prior Transfer Date	Mar 7, 2007
Prior Transfer Doc	0000029231
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA BARBARA CA
Property Address	4285 ENCORE DR, SANTA BARBARA, CA 93110-1825
Transaction Type	Mortgage
Record Updated	Dec 9, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4285 ENCORE DR, SANTA BARBARA, CA 93110-1825

Mortgage

Document Number	0000081932
Date	Dec 1, 2021
Instrument	2021-0081932

Lender

Name	KEYPOINT CU
Type	Credit Union
Address	SANTA CLARA, CA 95051

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 30, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA BARBARA CA
Property Address	4285 ENCORE DR, SANTA BARBARA, CA 93110-1825
Document Number	0000039905
Instrument Date	Jul 28, 2020
Transaction Type	Mortgage
Record Updated	Aug 17, 2020
Title Company	WFG NATIONAL TITLE COMPANY, WFG NAT'L TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	4285 ENCORE DR SANTA BARBARA CA 931101825, SANTA BARBARA, CA 93110-1825

Mortgage

Document Number	0000039905
Date	Aug 4, 2020
Instrument	39905

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 3, 2050

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA BARBARA CA
Property Address	4285 ENCORE DR, SANTA BARBARA, CA 93110-1825
Document Number	0000005645
Instrument Date	Jan 26, 2017
Transaction Type	Mortgage
Record Updated	Feb 9, 2017
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	4285 ENCORE DR SANTA BARBARA CA 931101825, SANTA BARBARA, CA 93110-1825

Mortgage

Document Number	0000005645
Date	Feb 2, 2017
Instrument	5645

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2047

Tax Assessment & Valuation

Source: Santa Barbara County assessment roll, as of July 8, 2026

Property Jurisdictions

Type	Name
State	California
County	Santa Barbara County
Secondary School District	Santa Barbara Unified School District (7-12) (07 - 12)
Elementary School District	Hope Elementary School District (KG - 06)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,004,826 (+2%) Land $610,779 Building $394,047
2025	$11,241.00 (+3.71%)	$985,124 (+4.04%) Land $598,803 Building $386,321
2023	$10,839.00 (+1.65%)	$946,872 Land $575,551 Building $371,321
2022	$10,663.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective June 9, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 11 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	4 (1995–2017)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Jan 2017 · Severe Winter Storms, Flooding, And Mudslides
Claims by Event	Severe Winter Storms, Flooding, Landslides, Mud Flows, Jan 1995 · 2 claims

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 Risk	Low lower than 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	LA CUMBRE MUTUAL WATER CO private · serves 4,861 people · EPA ID CA4210024
Water Source	Purchased surface water from several systems
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2024–2026) 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 870 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Verizon Fixed Wireless	300 / 20

May also be available: Astound Broadband, Frontier, GeoLinks.

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