440 Naiad St, #1-2, Encinitas, CA 92024 Property Records

San Diego County property record for 440 Naiad St, #1-2, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,502 sqft · built 2000
Lot Size	0.276 acres (12,000 sqft)
Owner	2 Company Names on Record
Last Sale	$1,790,000 (Jun 2014)
Tax Bill	$25,978 (2025)
Deeds & Mortgages	May 2021 Mortgage Jun 2023 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`254-391-04-00`

Property Details

APN / Parcel Number

Primary APN	`254-391-04-00`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	3,502 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Gravel
Lot Area	12,000 sqft (0.276 acres)
Garage Type	Carport
Carport	Carport

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	440 NAIAD ST, 1-2
City	ENCINITAS
State	CA
Zip	92024-1753
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	BLK E LOT 1 (EX NLY 140 FT&WLY225 FT THF) TR 001788
Legal Subdivision	SOUTH COAST PARK
Legal Tract	001788
Legal Block	E
Legal Lot Number	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1017
Census Tract	17601

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	2 Company Names on Record
Mailing Address	440 NAIAD ST, ENCINITAS, CA 92024-1753
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
May 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Jun 5, 2023	Intrafamily Transfer, Transfer
May 22, 2019	Intrafamily Transfer, Transfer · ARM JPMORGAN CHASE BANK NA
Jun 1, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 6, 2014 · Amount on Record
Deed Sale	Jun 6, 2014 · Amount on Record
Prior Sale	Jun 14, 2012 · Amount on Record
Deed Document Number	2014233401
Prior Transfer Date	Mar 13, 1996
Prior Transfer Doc	0000143349
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	440 NAIAD ST # 1-2, 1-2, ENCINITAS, CA 92024-1753
Transaction Type	Mortgage
Record Updated	Dec 26, 2023
Title Company	TITLE FIRST, TITLE FIRST AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000347559
Date	May 5, 2021
Instrument	2021-0347559

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	DOWNERS GROVE, IL 60515

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Jun 1, 2031
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	7.75%
Index	Other
Max Rate	7.75%

June 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 5, 2023
Property Address	440 NAIAD ST # 1-2, 1-2, ENCINITAS, CA 92024-1753
Document Number	0000145900
Map Reference	MAP 1788
Instrument Date	May 31, 2023
Instrument	2023-0145900
Transaction Type	Transfer
Record Updated	Dec 26, 2023

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	440 NAIAD ST, ENCINITAS, CA 92024-1753

May 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	May 22, 2019
Property Address	440 NAIAD ST # 1-2, 1-2, ENCINITAS, CA 92024-1753
Document Number	0000195264
Map Reference	MAP 1788
Instrument Date	May 10, 2019
Instrument	2019-0195264
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	NORTH AMERICAN 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
Relationship	Tenants in Common
Address	2944 FULLER AVE NE, GRAND RAPIDS, MI 49505-3784

Mortgage

Document Number	0000195265
Date	May 22, 2019
Instrument	2019-0195265

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	Jun 1, 2029
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.37%
Index	1-Year LIBOR
Max Rate	8.37%

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 1, 2018
Property Address	440 NAIAD ST # 1-2, 1-2, ENCINITAS, CA 92024-1753
Document Number	0000222123
Instrument Date	May 11, 2018
Instrument	222123
Transaction Type	Transfer
Record Updated	Jun 18, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	440 NAIAD ST ENCINITAS CA 920241753, ENCINITAS, CA 92024-1753

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		$2,455,871 (+2%) Land $1,515,597 Building $940,274
2025	$25,978.00 (+12.8%)	$2,407,718 (+10.64%) Land $1,485,880 Building $921,838
2023	$23,030.00 (+4.68%)	$2,176,226 Land $1,428,183 Building $748,043
2022	$22,000.00

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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

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	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 426 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks, Ting.

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