463 Cole Ranch Rd, Encinitas, CA 92024 Property Records

San Diego County property record for 463 Cole Ranch Rd, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,988 sqft · built 1963
Lot Size	0.79 acres (34,412 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,400,000 (May 2020)
Tax Bill	$16,545 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Mar 2021 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`265-025-02-00`

Property Details

APN / Parcel Number

Primary APN	`265-025-02-00`
Alternative APN	`2653320400`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	1,988 sqft Living Area

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Lot Area	34,412 sqft (0.79 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	2653320400
Street Address	463 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 /EXC SLY 600.00 FT/ E 1/2 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 October 19, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	463 COLE RANCH RD, ENCINITAS, CA 92024-6518
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2026	Deed of Trust, Mortgage · Line of Credit INDECOMM GLOBAL SERVICES
Mar 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC
May 28, 2020	Grant Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC
Jan 28, 2020	Grant Deed, Transfer FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NAT'L TITLE SAN DIEGO
Nov 1, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
Aug 14, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
Jun 5, 2017	Affidavit of Death, Transfer MERGE ESCROW LLC, ATTORNEY ONLY
Jun 5, 2017	Affidavit of Death, Transfer MERGE ESCROW LLC, ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 28, 2020 · Amount on Record
Deed Sale	May 28, 2020 · Amount on Record
Prior Sale	Jan 28, 2020 · Amount on Record
Deed Document Number	2020271958
Prior Transfer Date	Oct 27, 2017
Prior Transfer Doc	0000510089
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 6, 2026
Property Address	463 COLE RANCH RD, ENCINITAS, CA 92024-6518
Document Number	0000192399
Instrument Date	Jun 26, 2026
Instrument	2026192399
Transaction Type	Mortgage
Record Updated	Jul 15, 2026
Title Company	INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	463 COLE RANCH RD, ENCINITAS, CA 92024-6518
Investor	Possibly a Property Investor

Mortgage

Document Number	0000192399,
Date	Jul 6, 2026
Instrument	2026192399

Lender

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.53%
Max Rate	-1%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	463 COLE RANCH RD, ENCINITAS, CA 92024-6518
Transaction Type	Mortgage
Record Updated	Mar 23, 2021
Title Company	CALIFORNIA TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	463 COLE RANCH RD, ENCINITAS, CA 92024-6518

Mortgage

Document Number	0000182713
Date	Mar 9, 2021
Instrument	2021-0182713

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company
Address	CHANTILLY, VA 20151

Agreement

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

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 28, 2020
Property Address	463 COLE RANCH RD, ENCINITAS, CA 92024-6518
Document Number	0000271958
Map Reference	MAP 326
Instrument Date	May 19, 2020
Instrument	2020-0271958
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIDELITY NATIONAL TITLE

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	Community Property with Right of Survivorship
Address	463 COLE RANCH RD, ENCINITAS, CA 92024-6518
Investor	Possibly a Property Investor

Mortgage

Document Number	0000271959
Date	May 28, 2020
Instrument	2020-0271959

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

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

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 28, 2020
Property Address	463 COLE RANCH RD, ENCINITAS, CA 92024-6518
Document Number	0000044874
Instrument Date	Jan 15, 2020
Instrument	44874
Transaction Type	Transfer
Record Updated	Feb 12, 2020
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NAT'L TITLE SAN DIEGO

Transaction

Amount	Amount Recorded
Tax	$1,169.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	162 S RANCHO SANTA FE RD #E70-5 ENCINITAS CA 920244300, E70-5, ENCINITAS, CA 92024-4300

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 1, 2017
Property Address	463 COLE RANCH RD, ENCINITAS, CA 92024-6518
Document Number	0000510089
Instrument Date	Oct 27, 2017
Instrument	510089
Transaction Type	Transfer
Record Updated	Nov 7, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	463 COLE RANCH RD ENCINITAS CA 920246518, ENCINITAS, CA 92024-6518

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 14, 2017
Property Address	463 COLE RANCH RD, ENCINITAS, CA 92024-6518
Document Number	0000367752
Instrument Date	Jul 27, 2017
Instrument	367752
Transaction Type	Transfer
Record Updated	Aug 22, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	463 COLE RANCH RD ENCINITAS CA 920246518, ENCINITAS, CA 92024-6518

June 2017: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 5, 2017
Property Address	463 COLE RANCH RD, ENCINITAS, CA 92024-6518
Document Number	0000250790
Instrument Date	Jun 1, 2017
Instrument	250790
Transaction Type	Transfer
Record Updated	Jan 13, 2020
Title Company	MERGE ESCROW LLC, ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	463 COLE RANCH RD ENCINITAS CA 920246518, ENCINITAS, CA 92024-6518

June 2017: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 5, 2017
Property Address	463 COLE RANCH RD, ENCINITAS, CA 92024-6518
Document Number	0000250791
Instrument Date	Jun 1, 2017
Instrument	250791
Transaction Type	Transfer
Record Updated	Jan 13, 2020
Title Company	MERGE ESCROW LLC, ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	463 COLE RANCH RD ENCINITAS CA 920246518, ENCINITAS, CA 92024-6518

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		$1,561,723 (+2%) Land $1,394,398 Building $167,325
2025	$16,545.00 (+6.1%)	$1,531,102 (+4.04%) Land $1,367,057 Building $164,045
2023	$15,594.00 (+2.02%)	$1,471,649 Land $1,313,973 Building $157,676
2022	$15,285.00

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
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

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