San Diego County property record for 475 Neptune Ave, Encinitas, CA 92024 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,438 sqft · built 1990 |
| Lot Size | 0.92 acres (3,996 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $380,000 (Dec 1998) |
| Tax Bill | $9,659 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Jun 2026 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 256-262-07-00 |
| Primary APN | 256-262-07-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,438 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Conventional |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 3,996 sqft (0.92 acres) |
| Lot Dimensions | 100 ft deep x 40 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Floor/Wall Furnace |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 475 NEPTUNE AVE |
|---|---|
| City | ENCINITAS |
| State | CA |
| Zip | 92024-2018 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BLK E LOT 15 TR 001800 |
| Legal Subdivision | SEASIDE GARDEN HEIGHTS |
| Legal Tract | 001800 |
| Legal Block | E |
| Legal Lot Number | 15 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | SAN DIEGO |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 17702 |
Source: San Diego County records · APN 256-262-07-00
Assessment roll updated July 21, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 475 NEPTUNE AVE, ENCINITAS, CA 92024-2018 |
| Owner Type | Company |
| Vesting | Life Tenant |
| Date | Document |
|---|---|
| Jul 14, 2026 | Deed of Trust, Mortgage · Conventional Mortgage CLEAREDGELENDING |
| Jun 16, 2026 | Deed, Transfer NONE LISTED ON DOCUMENT |
| Jan 25, 2017 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Sep 05, 2019 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 24, 1998 · Amount on Record |
| Deed Sale | Dec 24, 1998 · Amount on Record |
| Prior Sale | Oct 26, 1993 · Amount on Record |
| Deed Document Number | 1998845621 |
| Last Transfer Date | Jun 11, 2026 |
| Transfer Doc | 0000173174 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Jul 14, 2026 |
| Property Address | 475 NEPTUNE AVE, ENCINITAS, CA 92024-2018 |
| Document Number | 0000199926 |
| Instrument Date | Jul 08, 2026 |
| Instrument | 2026199926 |
| Transaction Type | Mortgage |
| Record Updated | Jul 22, 2026 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Life Tenant, 269 |
| Address | 475 NEPTUNE AVE, ENCINITAS, CA 92024-2018 |
| Document Number | 0000199926, |
|---|---|
| Date | Jul 14, 2026 |
| Instrument | 2026199926 |
| Name | CLEAREDGELENDING |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.52% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Jun 16, 2026 |
| Property Address | 475 NEPTUNE AVE, ENCINITAS, CA 92024-2018 |
| Document Number | 0000173174 |
| Instrument Date | Jun 11, 2026 |
| Instrument | 2026173174 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Tenant |
| Address | 475 NEPTUNE AVE, ENCINITAS, CA 92024-2018 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 475 NEPTUNE AVE, ENCINITAS, CA 92024-2018 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | SOUTHWEST FINANCIAL SVCS LTD |
| Name | Verified Name |
|---|
| Document Number | 0000037887 |
|---|---|
| Date | Jan 25, 2017 |
| Instrument | 2017-0037887 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Dec 08, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 475 NEPTUNE AVE, ENCINITAS, CA 92024-2018 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | STEWART TITLE OF CA INC |
| Name | Verified Name |
|---|
| Document Number | 0000384000 |
|---|---|
| Date | Sep 05, 2019 |
| Instrument | 2019-0384000 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 01, 2049 |
Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 2026
| 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) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $862,669 (+2%) Land $495,702 Building $366,967 | |
| 2025 | $9,659.00 (+7.38%) Homeowner's exemption | $845,755 (+4.04%) Land $485,983 Building $359,772 |
| 2023 | $8,995.00 (+1.83%) Homeowner's exemption | $812,914 Land $467,112 Building $345,802 |
| 2022 | $8,833.00 |
Source: FEMA National Flood Hazard Layer, San Diego County (06073C), updated September 3, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060730177022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone VE, within 500 ft |
| Flood Insurance Cost | Premium on Record median of 6 individual NFIP policies nearby |
| Nearby Flood Policies | 6 in force 2 of 6 on primary residences |
| Nearby Flood Claims | 6 (1993–2024) |
| Claims Outside the SFHA | 6 of 6 |
| Most Recent Claim | Jan 2024, rainfall accumulation, Severe Storm And Flooding |
| Flood Events |
|
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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.
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