492 Via Malaga, Encinitas, CA 92024 Property Records

San Diego County property record for 492 Via Malaga, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,808 sqft · built 1986
Lot Size	0.207 acres (9,008 sqft)
Owner	Individual Name on File
Last Sale	$156,000 (Jul 1986)
Tax Bill	$3,904 (2025)
Deeds & Mortgages	Sep 2023 Transfer Nov 2021 Reverse Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`257-371-09-00`

Property Details

APN / Parcel Number

Primary APN	`257-371-09-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,808 sqft Living Area

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Stucco
Roof Material	Tile
Lot Area	9,008 sqft (0.207 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	492 VIA MALAGA
City	ENCINITAS
State	CA
Zip	92024-5350
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LOT 122 TR 009780
Legal Subdivision	ENCINITAS ESTATES
Legal Tract	009780
Legal Block	1
Legal Lot Number	122
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1005
Census Tract	17606

Owner

492 Via Malaga is owned and occupied by an individual who acquired it in July 2023.

Source: San Diego County records, as of July 28, 2026

Owner of Record	Individual Name on File
Mailing Address	492 VIA MALAGA, ENCINITAS, CA 92024-5350
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 6, 2023	Intrafamily Transfer, Transfer
Nov 30, 2021	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP
Aug 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage WESTCOAST MORTGAGE GROUP & REALTY CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 28, 1986 · Amount on File
Deed Sale	Jul 28, 1986 · Amount on File
Deed Document Number	1986313816
Last Transfer Date	Jul 22, 2023
Transfer Doc	0000241546
Record Updated	Sep 20, 2026

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 6, 2023
Property Address	492 VIA MALAGA, ENCINITAS, CA 92024-5350
Document Number	0000241546
Map Reference	MAP 9780
Instrument Date	Jul 22, 2023
Instrument	2023-0241546
Transaction Type	Transfer
Record Updated	Sep 14, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	492 VIA MALAGA, ENCINITAS, CA 92024-5350

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	492 VIA MALAGA, ENCINITAS, CA 92024-5350
Transaction Type	Mortgage
Record Updated	Dec 8, 2021
Title Company	NORTH AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	492 VIA MALAGA, ENCINITAS, CA 92024-5350

Mortgage

Document Number	0000816845
Date	Nov 30, 2021
Instrument	2021-0816845

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	935 Months
Due	Oct 11, 2099

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	492 VIA MALAGA, ENCINITAS, CA 92024-5350
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	492 VIA MALAGA, ENCINITAS, CA 92024-5350

Mortgage

Document Number	0000499982
Date	Aug 31, 2020
Instrument	2020-0499982

Lender

Name	WESTCOAST MORTGAGE GROUP & REALTY CO
Type	Mortgage Company
Address	SACRAMENTO, CA 95818

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 492 Via Malaga was $3,904.

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		$310,611 (+2%) Land $99,428 Building $211,183
2025	$3,904.00 Homeowner's exemption	$304,522 Land $97,479 Building $207,043
2023	$3,590.00 (+3.01%) Homeowner's exemption	$292,699 Land $93,695 Building $199,004
2022	$3,485.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 492 Via Malaga in Zone X, an area of minimal flood risk.

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	3 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

Wildfire risk around 492 Via Malaga is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% 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 569 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ting Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Cox Communications, GeoLinks, Verizon.

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