431 Neptune Ave, #A, Encinitas, CA 92024 Property Records

San Diego County property record for 431 Neptune Ave, #A, Encinitas, CA 92024

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,120 sqft · built 1980
Lot Size	0.177 acres (7,692 sqft)
Owner	Individual Name on Record
Last Sale	$415,000 (Aug 1997)
Tax Bill	$8,588 (2025)
Deeds & Mortgages	May 2026 Mortgage Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`256-281-25-00`

Property Details

APN / Parcel Number

Primary APN	`256-281-25-00`
Alternative APN	`2562811800`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Units	2 Units
Building Area	2,120 sqft Living Area

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Duplex Single
Lot Area	7,692 sqft (0.177 acres)
Garage Type	Carport
Carport	Carport

Location & Zoning

Old Parcel Number	2562811800
Street Address	431 NEPTUNE AVE, A
City	ENCINITAS
State	CA
Zip	92024-2016
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RS11
Legal Description	BLK F LOT 25 N 25 FT OF LOT 23&ALL LOT 24&S 15 FT OF TR 001800
Legal Subdivision	SEASIDE GARDEN HEIGHTS
Legal Tract	001800
Legal Block	F
Legal Lot Number	23-25
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2002
Census Tract	17702

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 Record	Individual Name on Record
Mailing Address	431 NEPTUNE AVE, ENCINITAS, CA 92024-2016
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 1, 2026	Deed of Trust, Mortgage · Conventional Mortgage U S BANK N A
Oct 30, 2019	Intrafamily Transfer, Transfer · Commercial Mortgage SEATTLE FUNDING GROUP LTD

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 6, 1997 · Amount on Record
Deed Sale	Aug 6, 1997 · Amount on Record
Deed Document Number	1997376428
Last Transfer Date	Oct 23, 2019
Transfer Doc	0000495837
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	May 1, 2026
Property Address	431 NEPTUNE AVE, A, ENCINITAS, CA 92024-2016
Document Number	0000123904
Instrument Date	Apr 23, 2026
Instrument	2026123904
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000123904,
Date	May 1, 2026
Instrument	2026123904

Lender

Name	U S BANK N A

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 2, 2056

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

October 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 30, 2019
Property Address	431 NEPTUNE AVE # A, A, ENCINITAS, CA 92024-2016
Document Number	0000495837
Map Reference	MAP 1800
Instrument Date	Oct 23, 2019
Instrument	2019-0495837
Transaction Type	Transfer
Record Updated	Jul 22, 2022
Title Company	ORANGE COAST TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 NEPTUNE AVE, ENCINITAS, CA 92024-2016

Mortgage

Document Number	0000495838
Date	Oct 30, 2019
Instrument	2019-0495838

Lender

Name	SEATTLE FUNDING GROUP LTD
Type	Subprime Lender

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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		$703,242 (+2%) Land $393,943 Building $309,299
2025	$8,588.00 (+5.09%)	$689,454 (+4.04%) Land $386,219 Building $303,235
2024	$8,172.00 (+3.03%)
2023	$7,932.00 (+0.19%)	$662,684 Land $371,223 Building $291,461
2022	$7,917.00

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

Flood

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
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	6 (1993–2024)
Claims Outside the SFHA	6 of 6
Most Recent Claim	Jan 2024 · Severe Storm And Flooding
Claims by Event	Severe Storm And Flooding, Jan 2024 · 2 claims Severe Storms, Flooding, Landslides, And Mud And Debris Flows, Feb 2005 · 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	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	SAN DIEGUITO WD serves 40,405 people · EPA ID CA3710021
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2022
Lead	1 ppb (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 664 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Ting Fiber	2,000 / 2,000
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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