485 Santa Fe Dr, #91, Encinitas, CA 92024 Property Records

San Diego County property record for 485 Santa Fe Dr, #91, Encinitas, CA 92024

Property Summary

Property Type	Bank, Financial Building
Details	6,072 sqft · built 2000
Lot Size	0.402 acres (17,498 sqft)
Owner	Company Name on File
Last Sale	$3,050,000 (Apr 2021)
Tax Bill	$36,648 (2025)
Deeds & Mortgages	May 2023 Mortgage Dec 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`260-640-29-00`

Property Details

APN / Parcel Number

Primary APN	`260-640-29-00`

Interior

Building Area	6,072 sqft Total Area

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Lot Area	17,498 sqft (0.402 acres)

Location & Zoning

Street Address	485 SANTA FE DR, 91
City	ENCINITAS
State	CA
Zip	92024-5134
Property Category	Commercial
Property Type	Commercial > Office > Bank, Financial Building
Local Zoning Code	GC
Legal Description	PAR 1 TR PM01645
Legal Subdivision	PARCEL MAP NO 1645
Legal Tract	1645
Legal Block	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1000
Census Tract	17407

Owner

Source: San Diego County assessment roll, 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	Company Name on File
Mailing Address	9819 MIRA MESA BLVD, SAN DIEGO, CA 92131-1004
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
May 16, 2023	Deed of Trust, Mortgage · Commercial Mortgage AXOS BANK
Dec 14, 2022	Deed of Trust, Mortgage · Commercial Mortgage AXOS BANK
Jun 28, 2024	Deed of Trust, Mortgage · Commercial Mortgage STERLING BANK & TRUST FSB
Apr 22, 2021	Grant Deed, Transfer FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 22, 2021 · Amount on Record
Deed Sale	Apr 22, 2021 · Amount on Record
Deed Document Number	2021314001
Prior Transfer Date	Jul 24, 2009
Prior Transfer Doc	0000476376
Record Updated	Sep 20, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	485-91 SANTA FE DR, CARDIFF BY THE SEA, CA 92007
Transaction Type	Mortgage
Record Updated	Oct 16, 2025
Title Company	CHICAGO TITLE COMPANY CONCORD, CHICAGO TITLE CO COM DIV

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9819 MIRA MESA BLVD, SAN DIEGO, CA 92131-1004

Mortgage

Document Number	0000128200
Date	May 16, 2023
Instrument	2023-0128200

Lender

Name	AXOS BANK
Type	Bank
Address	SAN DIEGO, CA 92122

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	485-91 SANTA FE DR, CARDIFF BY THE SEA, CA 92007
Transaction Type	Mortgage
Record Updated	Oct 16, 2025
Title Company	WFG TITLE COMPANY/CA, WFG TITLE COMPANY OF CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9819 MIRA MESA BLVD, SAN DIEGO, CA 92131-1004

Mortgage

Document Number	0000468532
Date	Dec 14, 2022
Instrument	2022-0468532

Lender

Name	AXOS BANK
Type	Bank
Address	SAN DIEGO, CA 92122

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

June 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	485-91 SANTA FE DR, CARDIFF BY THE SEA, CA 92007
Transaction Type	Mortgage
Record Updated	Oct 16, 2025
Title Company	WFG TITLE COMPANY/CA-SAN DIEGO, WFG TITLE CO OF CA SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000165280
Date	Jun 28, 2024
Instrument	2024-0165280

Lender

Name	STERLING BANK & TRUST FSB
Type	Bank
Address	SAN FRANCISCO, CA 94104

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jul 1, 2034

April 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 22, 2021
Property Address	485-91 SANTA FE DR, CARDIFF BY THE SEA, CA 92007
Document Number	0000314001
Instrument Date	Apr 20, 2021
Instrument	2021-0314001
Transaction Type	Transfer
Record Updated	Oct 16, 2025
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
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
Address	9819 MIRA MESA BLVD, SAN DIEGO, CA 92131-1004
Investor	Possibly a Property Investor

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	Cardiff 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		$3,367,444 (+2%) Land $2,020,467 Building $1,346,977
2025	$36,648.00 (-0.67%)	$3,301,416 (+4.04%) Land $1,980,850 Building $1,320,566
2024	$36,897.00 (+2.54%)
2023	$35,983.00 (+1.46%)	$3,173,220 Land $1,903,932 Building $1,269,288
2022	$35,466.00

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
Nearby Flood Policies	2 in force

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

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 366 locations within half a mile, as of December 31, 2025

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

May also be available: California Internet.

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