455 Cole Ranch Rd, Encinitas, CA 92024 Property Records

San Diego County property record for 455 Cole Ranch Rd, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 2,434 sqft · built 1986
Lot Size	0.78 acres (33,977 sqft)
Owner	2 Company Names on Record
Last Sale	$2,500,000 (Nov 2023)
Tax Bill	$27,433 (2025)
Deeds & Mortgages	Nov 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`265-025-03-00`

Property Details

APN / Parcel Number

Primary APN	`265-025-03-00`
Alternative APN	`2653323100`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Building Area	2,434 sqft Living Area

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Lot Area	33,977 sqft (0.78 acres)
Garage Type	Carport
Carport	Carport

Location & Zoning

Old Parcel Number	2653323100
Street Address	455 COLE RANCH RD
City	ENCINITAS
State	CA
Zip	92024-6518
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR2
Legal Description	BLK 37 (EX W 171 FT)N 200 OF S 600 FT M/A W LI OF STS CLSD ADJ& TR 000326
Legal Subdivision	OLIVENHAIN COLONY
Legal Tract	000326
Legal Block	37
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2017
Census Tract	17111

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	455 COLE RANCH RD, ENCINITAS, CA 92024-6518
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 9, 2023 · Amount on Record
Deed Sale	Nov 9, 2023 · Amount on Record
Prior Sale	Jun 1, 1984 · Amount on Record
Deed Document Number	2023312667
Prior Transfer Date	Apr 7, 1994
Prior Transfer Doc	0000255160
Record Updated	Oct 29, 2026

November 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 9, 2023
Property Address	455 COLE RANCH RD, ENCINITAS, CA 92024-6518
Document Number	0000312667
Map Reference	MAP 326
Instrument Date	Nov 2, 2023
Instrument	2023-0312667
Transaction Type	Transfer
Record Updated	Nov 20, 2023
Title Company	CALIFORNIA TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	455 COLE RANCH RD, ENCINITAS, CA 92024-6518

Mortgage

Document Number	0000312668
Date	Nov 9, 2023
Instrument	2023-0312668

Lender

Name	NOVA FINANCIAL & INVESTMENT CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

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		$2,601,000 (+2%) Land $1,872,720 Building $728,280
2025	$27,433.00 (+495.98%) Homeowner's exemption	$2,550,000 (+484.4%) Land $1,836,000 Building $714,000
2023	$4,603.00 (+2.08%) Homeowner's exemption	$436,346 Land $168,480 Building $267,866
2022	$4,509.00

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
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	2 (2010–2020)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Apr 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 Risk	Low lower than 98% of the US · lower than 98.4% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None 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 System	OLIVENHAIN MWD serves 86,458 people · EPA ID CA3710029
Water Source	Purchased surface water from several systems
Last State Inspection	May 2024
Lead	Under 1 ppb (2023–2025) 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 250 locations within half a mile, as of December 31, 2025

Provider	Max 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

Nearby Properties on Cole Ranch Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures