San Diego County property record for 481 la Costa Ave, Encinitas, CA 92024 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2.5 Baths |
| Year Built | Built 1980 |
| Square Footage | 2,214 sqft Living Area |
| Lot Size | 14,597 sqft (0.335 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $1,375,000 (2020) |
| Tax Bill | $17,632.00 (2025) |
| Primary APN | 216-063-24-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 7 Rooms |
| Building Area | 2,214 sqft Living Area |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Conventional Style |
| Exterior Material | Stucco Exterior |
| Construction Type | Frame Construction |
| Roof Material | Wood Shingle Roof |
| Lot Area | 14,597 sqft (0.335 acres) |
| Parking Spaces | 3 Parking Spaces |
| Garage Type | Carport Garage |
| Carport | Carport |
| Heating System | Forced Air with Air Conditioning Heating |
|---|---|
| Heating Fuel | Gas Heating Fuel |
| Sewage | Municipal Sewage |
| Water Source | Commercial Water Source |
| Old Parcel Number | 2160628800 |
|---|---|
| Street Address | 481 LA COSTA AVE |
| City | ENCINITAS |
| State | CA |
| Zip | 92024-1114 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 5 DOC80-115003 IN TR 002063 |
| Legal Subdivision | AVOCADO ACRES |
| Legal Tract | 002063 |
| Legal Block | 1 |
| Legal Lot Number | 5 |
| Jurisdiction | SAN DIEGO CA |
| Minor Civil Division | SAN DIEGO |
| Census Blockgroup | 1 |
| Census Block | 1009 |
| Census Tract | 17601 |
Source: San Diego County records · APN 216-063-24-00
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 Individual Names on File |
|---|---|
| Mailing Address | 481 LA COSTA AVE, ENCINITAS, CA 92024-1114 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Apr 19, 2024 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Aug 15, 2022 | Deed of Trust, Mortgage · Line of Credit MUFG UNION BANK NA |
| Sep 16, 2021 | Deed of Trust, Mortgage · Conventional Mortgage MUFG UNION BANK NA |
| Sep 14, 2021 | Deed of Trust, Mortgage · Conventional Mortgage MUFG UNION BANK NA |
| Mar 11, 2020 | Grant Deed, Transfer · Conventional Mortgage US BANK NA |
| Jun 06, 2017 | Grant Deed, Transfer CALIBER HM LOANS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 11, 2020 · Amount on Record |
| Deed Sale | Mar 11, 2020 · Amount on Record |
| Prior Sale | Jun 06, 2017 · Amount on Record |
| Deed Doc Number | 2020127000 |
| Prior Transfer Date | Dec 03, 2004 |
| Prior Transfer Doc | 0000338046 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 481 LA COSTA AVE, ENCINITAS, CA 92024-1114 |
| Transaction Type | Mortgage |
| Record Updated | May 02, 2024 |
| Name | Verified Name |
|---|---|
| Address | 481 LA COSTA AVE, ENCINITAS, CA 92024-1114 |
| Document Number | 0000097815 |
|---|---|
| Date | Apr 19, 2024 |
| Instrument | 2024-0097815 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | ENCINITAS, CA 92024 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Apr 15, 2064 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 481 LA COSTA AVE, ENCINITAS, CA 92024-1114 |
| Transaction Type | Mortgage |
| Record Updated | Aug 30, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 481 LA COSTA AVE, ENCINITAS, CA 92024-1114 |
| Document Number | 0000327711 |
|---|---|
| Date | Aug 15, 2022 |
| Instrument | 2022-0327711 |
| Name | MUFG UNION BANK NA |
|---|---|
| Type | Bank |
| Address | SAN DIEGO, CA 92121 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 15, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 481 LA COSTA AVE, ENCINITAS, CA 92024-1114 |
| Transaction Type | Mortgage |
| Record Updated | Sep 27, 2021 |
| Title Company | TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH |
| Name | Verified Name |
|---|---|
| Address | 481 LA COSTA AVE, ENCINITAS, CA 92024-1114 |
| Document Number | 0000654714 |
|---|---|
| Date | Sep 16, 2021 |
| Instrument | 2021-0654714 |
| Name | MUFG UNION BANK NA |
|---|---|
| Type | Bank |
| Address | SAN DIEGO, CA 92121 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.5% |
| Type Change Date | Oct 01, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 4.5% |
| Index | Other |
| Max Rate | 8.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 481 LA COSTA AVE, ENCINITAS, CA 92024-1114 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2021 |
| Title Company | TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH |
| Name | Verified Name |
|---|---|
| Address | 481 LA COSTA AVE, ENCINITAS, CA 92024-1114 |
| Document Number | 0000649743 |
|---|---|
| Date | Sep 14, 2021 |
| Instrument | 2021-0649743 |
| Name | MUFG UNION BANK NA |
|---|---|
| Type | Bank |
| Address | SAN DIEGO, CA 92121 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2051 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Mar 11, 2020 |
| Property Address | 481 LA COSTA AVE, ENCINITAS, CA 92024-1114 |
| Document Number | 0000127000 |
| Map Reference | MAP 2063 |
| Instrument Date | Feb 20, 2020 |
| Instrument | 2020-0127000 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Title Company | CHICAGO TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property (Marital Community) with Rights of Survivorship |
| Address | 481 LA COSTA AVE, ENCINITAS, CA 92024-1114 |
| Document Number | 0000127001 |
|---|---|
| Date | Mar 11, 2020 |
| Instrument | 2020-0127001 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Jun 06, 2017 |
| Property Address | 481 LA COSTA AVE, ENCINITAS, CA 92024-1114 |
| Document Number | 0000253135 |
| Instrument Date | Apr 27, 2017 |
| Instrument | 253135 |
| Transaction Type | Transfer |
| Record Updated | Jun 13, 2017 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE SAN DIEGO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,325.00 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 481 LA COSTA AVE ENCINITAS CA 920241114, ENCINITAS, CA 92024-1114 |
| Document Number | 253136 |
|---|---|
| Date | Jun 06, 2017 |
| Instrument | 253136 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVING, TX 75063 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jun 05, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.25% |
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 | $1,806,461 (+16.51%) Land $1,254,957 Building $551,504 | |
| 2025 | $17,632.00 (+8.45%) | $1,550,452 (+4.04%) Land $1,230,350 Building $320,102 |
| 2023 | $16,258.00 (+2.23%) | $1,490,248 Land $1,182,575 Building $307,673 |
| 2022 | $15,903.00 |
481 la Costa Ave is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.
Source: FEMA National Flood Hazard Layer · San Diego County (06073C), updated September 3, 2026
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach of burnable land |
Values are read at the parcel center point; lenders make the official flood determination.
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