498 Ave de Las Rosas, Encinitas, CA 92024 Property Records

San Diego County property record for 498 Ave de Las Rosas, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,940 sqft · built 1975
Lot Size	0.218 acres (9,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,040,000 (Jul 2025)
Tax Bill	$19,900 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Jul 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`259-480-06-00`

Property Details

APN / Parcel Number

Primary APN	`259-480-06-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Building Area	1,940 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Conventional
Lot Area	9,500 sqft (0.218 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	498 AVENIDA DE LAS ROSAS
City	ENCINITAS
State	CA
Zip	92024-4718
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8
Legal Description	LOT 180 TR 007714
Legal Subdivision	ENCINITAS ESTATES
Legal Tract	007714
Legal Block	4
Legal Lot Number	180
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	4
Census Block	4008
Census Tract	17403

Owner

Source: San Diego County records, as of July 29, 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 Record
Mailing Address	498 AVENIDA DE LAS ROSAS, ENCINITAS, CA 92024-4718
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2026	Deed of Trust, Mortgage · Line of Credit QUORUM FEDERAL CREDIT UNION
Jul 7, 2023	Grant Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Mar 14, 2023	Grant Deed, Construction Loan · Construction Mortgage KIAVI FUNDING INC
Jun 8, 2021	Deed of Trust, Mortgage · Line of Credit MISSION FCU
Jun 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage GROVES CAP INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 8, 2025 · Amount on Record
Deed Sale	Jul 8, 2025 · Amount on Record
Prior Sale	Jul 7, 2023 · Amount on Record
Deed Document Number	2025180529
Prior Transfer Date	Nov 2, 1994
Prior Transfer Doc	0000647408
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 21, 2026
Property Address	498 AVENIDA DE LAS ROSAS, ENCINITAS, CA 92024-4718
Document Number	0000208475
Instrument Date	Jul 14, 2026
Instrument	2026208475
Transaction Type	Mortgage
Record Updated	Jul 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 171
Address	498 AVENIDA DE LAS ROSAS, ENCINITAS, CA 92024-4718

Mortgage

Document Number	0000208475,
Date	Jul 21, 2026
Instrument	2026208475

Lender

Name	QUORUM FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	7.38%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 7, 2023
Property Address	498 AVENIDA DE LAS ROSAS, ENCINITAS, CA 92024-4718
Document Number	0000178590
Map Reference	MAP 7714
Instrument Date	Jun 12, 2023
Instrument	2023-0178590
Transaction Type	Transfer
Record Updated	Jul 18, 2023
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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
Relationship	Community Property with Right of Survivorship
Address	498 AVENIDA DE LAS ROSAS, ENCINITAS, CA 92024-4718

Mortgage

Document Number	0000178591
Date	Jul 7, 2023
Instrument	2023-0178591

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

March 2023: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 14, 2023
Property Address	498 AVENIDA DE LAS ROSAS, ENCINITAS, CA 92024-4718
Document Number	0000064039
Map Reference	MAP 7714
Instrument Date	Feb 19, 2023
Instrument	2023-0064039
Transaction Type	Construction Loan
Record Updated	Mar 23, 2023
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
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	120 NEW CENTER DRIVE, NEWPORT BEACH, CA 92660

Mortgage

Document Number	0000064040
Date	Mar 14, 2023
Instrument	2023-0064040

Lender

Name	KIAVI FUNDING INC
Type	Mortgage Company

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	498 AVENIDA DE LAS ROSAS, ENCINITAS, CA 92024-4718
Transaction Type	Mortgage
Record Updated	Jun 16, 2021
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	498 AVENIDA DE LAS ROSAS, ENCINITAS, CA 92024-4718

Mortgage

Document Number	0000422084
Date	Jun 8, 2021
Instrument	2021-0422084

Lender

Name	MISSION FCU
Type	Credit Union
Address	SAN DIEGO, CA 92191

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Jun 30, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	498 AVENIDA DE LAS ROSAS, ENCINITAS, CA 92024-4718
Document Number	0000361654
Instrument Date	Jun 30, 2020
Transaction Type	Mortgage
Record Updated	Dec 11, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	498 AVENIDA DE LAS ROSAS ENCINITAS CA 920244718, ENCINITAS, CA 92024-4718

Mortgage

Document Number	0000361654
Date	Jul 8, 2020
Instrument	361654

Lender

Name	GROVES CAP INC
Address	SAN DIEGO, CA 92130

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 7, 2050

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	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		$2,040,000 (+14.29%) Land $1,600,000 Building $440,000
2025	$19,900.00 (+321.7%)	$1,785,000 (+346.55%) Land $1,326,000 Building $459,000
2023	$4,719.00 (+2.79%) Homeowner's exemption	$399,732 (+2%) Land $166,622 Building $233,110
2022	$4,591.00 Homeowner's exemption	$391,895 Land $163,355 Building $228,540

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 3, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	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 670 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Spectrum Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL	100 / 20

May also be available: GeoLinks, Ting, Verizon.

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