481 Neptune Ave, #1-2, Encinitas, CA 92024 Property Records

San Diego County property record for 481 Neptune Ave, #1-2, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,470 sqft · built 2010
Lot Size	0.96 acres (4,197 sqft)
Owner	Company Name on Record
Last Sale	$1,421,000 (May 2016)
Tax Bill	$20,483 (2025)
Deeds & Mortgages	May 2018 Line of Credit Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`256-262-06-00`

Property Details

APN / Parcel Number

Primary APN	`256-262-06-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,470 sqft Living Area

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Frame
Lot Area	4,197 sqft (0.96 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	481 NEPTUNE AVE, 1-2
City	ENCINITAS
State	CA
Zip	92024-2018
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS11
Legal Description	BLK E LOT 16 TR 001800
Legal Subdivision	SEASIDE GARDEN HEIGHTS
Legal Tract	001800
Legal Block	E
Legal Lot Number	16
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2007
Census Tract	17702

Owner

Source: San Diego County records, 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	Company Name on Record
Mailing Address	PO BOX 29230, SAN FRANCISCO, CA 94129-0230
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
May 29, 2018	Deed of Trust, Mortgage · Line of Credit SILICON VALLEY BANK
Sep 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage SILICON VALLEY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 25, 2016 · Amount on Record
Deed Sale	May 25, 2016 · Amount on Record
Prior Sale	Apr 29, 2002 · Amount on Record
Deed Document Number	2016253735
Prior Transfer Date	Dec 24, 2003
Prior Transfer Doc	0000020232
Record Updated	Sep 20, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	481 NEPTUNE AVE # 1-2, 1-2, ENCINITAS, CA 92024-2018
Transaction Type	Mortgage
Record Updated	Aug 23, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000214616
Date	May 29, 2018
Instrument	2018-0214616

Lender

Name	SILICON VALLEY BANK
Type	Bank
Address	SANTA CLARA, CA 95054

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	May 28, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	481 NEPTUNE AVE # 1-2, 1-2, ENCINITAS, CA 92024-2018
Transaction Type	Mortgage
Record Updated	Aug 23, 2022
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 29230, SAN FRANCISCO, CA 94129-0230

Mortgage

Document Number	0000579095
Date	Sep 29, 2020
Instrument	2020-0579095

Lender

Name	SILICON VALLEY BANK
Type	Bank
Address	SANTA CRUZ, CA 95064

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Oct 1, 2030
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	4.75%
Index	1-Year LIBOR
Max Rate	8.75%

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		$1,903,265 (+2%) Land $1,569,712 Building $333,553
2025	$20,483.00 (+5.8%)	$1,865,947 (+4.04%) Land $1,538,934 Building $327,013
2023	$19,361.00 (+2.62%)	$1,793,491 Land $1,479,176 Building $314,315
2022	$18,867.00

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
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	6 (1993–2024)
Claims Outside the SFHA	6 of 6
Most Recent Claim	Jan 2024 · Severe Storm And Flooding
Claims by Event	Severe Storm And Flooding, Jan 2024 · 2 claims Severe Storms, Flooding, Landslides, And Mud And Debris Flows, Feb 2005 · 2 claims

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	Not rated no burnable land within 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	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 664 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Ting Fiber	2,000 / 2,000
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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