445 Naiad St, Encinitas, CA 92024 Property Records

San Diego County property record for 445 Naiad St, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,402 sqft · built 1975
Lot Size	0.266 acres (11,600 sqft)
Owner	Individual Name on File
Last Sale	$350,000 (Dec 2013)
Tax Bill	$1,487 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`256-242-28-00`

Property Details

APN / Parcel Number

Primary APN	`256-242-28-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,402 sqft Living Area

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Lot Area	11,600 sqft (0.266 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	445 NAIAD ST
City	ENCINITAS
State	CA
Zip	92024-1754
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	BLK D LOT 5 /EXC NLY 155 FT/ ELY 80 FT OF TR 001788
Legal Subdivision	SOUTH COAST PARK
Legal Tract	001788
Legal Block	D
Legal Lot Number	5
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1019
Census Tract	17601

Owner

Source: San Diego County assessment roll, as of July 21, 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 File
Mailing Address	445 NAIAD ST, ENCINITAS, CA 92024-1754
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 27, 2013 · Amount on Record
Deed Sale	Dec 27, 2013 · Amount on Record
Deed Document Number	2013740343
Last Transfer Date	Nov 25, 2016
Transfer Doc	0000656961
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	445 NAIAD ST, ENCINITAS, CA 92024-1754
Transaction Type	Mortgage
Record Updated	Dec 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000831684
Date	Dec 8, 2021
Instrument	2021-0831684

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	445 NAIAD ST, ENCINITAS, CA 92024-1754
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000187476
Date	Apr 14, 2020
Instrument	2020-0187476

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 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		$132,400 (+2%) Land $27,068 Building $105,332
2025	$1,487.00 (+6.14%)	$129,805 (+4.04%) Land $26,538 Building $103,267
2023	$1,401.00 (+2.11%)	$124,766 Land $25,508 Building $99,258
2022	$1,372.00

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 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 at the parcel

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

May also be available: California Internet, Ting Fiber.

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