San Diego County property record for 514 Kristen Ct, #16, Encinitas, CA 92024
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,619 sqft · built 1999 |
| Lot Size | 0.267 acres (11,623 sqft) |
| Owner | Company Name on File |
| Last Sale | $341,000 (Apr 1998) |
| Tax Bill | $7,492 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage May 2022 Transfer + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 258-420-49-00 |
| Primary APN | 258-420-49-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,619 sqft Living Area |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Lot Area | 11,623 sqft (0.267 acres) |
| Parking Spaces | 4 Parking Spaces |
| Old Parcel Number | 2584204200 |
|---|---|
| Street Address | 514 KRISTEN CT, 16 |
| City | ENCINITAS |
| State | CA |
| Zip | 92024-2788 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R5 |
| Legal Description | LOT 18 DOC98-247626 IN LOT 21&IN TR 013345 |
| Legal Subdivision | ENCINITAS ESTATES |
| Legal Tract | 013345 |
| Legal Block | 1 |
| Legal Lot Number | 18,21 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | SAN DIEGO |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 17605 |
514 Kristen Ct, #16 is owned by a company that acquired it in April 2022 and is owner-occupied.
Source: San Diego County records, as of July 28, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 514 KRISTEN CT, ENCINITAS, CA 92024-2788 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 30, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| May 12, 2022 | Intrafamily Transfer, Transfer |
| May 30, 2017 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Sep 4, 2019 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Feb 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Oct 13, 2020 | Deed of Trust, Mortgage · Conventional Mortgage RIGHT START MORTGAGE INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 30, 1998 · Amount on File |
| Deed Sale | Apr 30, 1998 · Amount on File |
| Deed Document Number | 1998247626 |
| Last Transfer Date | Apr 19, 2022 |
| Transfer Doc | 0000205767 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 514 KRISTEN CT # 16, 16, ENCINITAS, CA 92024-2788 |
| Transaction Type | Mortgage |
| Record Updated | Aug 1, 2023 |
| Title Company | FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO |
| Name | Verified Name |
|---|---|
| Address | 514 KRISTEN CT, ENCINITAS, CA 92024-2788 |
| Document Number | 0000616038 |
|---|---|
| Date | Aug 30, 2021 |
| Instrument | 2021-0616038 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | May 12, 2022 |
| Property Address | 514 KRISTEN CT # 16, 16, ENCINITAS, CA 92024-2788 |
| Document Number | 0000205767 |
| Map Reference | MAP 13345 |
| Instrument Date | Apr 19, 2022 |
| Instrument | 2022-0205767 |
| Transaction Type | Transfer |
| Record Updated | Aug 1, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 514 KRISTEN CT, ENCINITAS, CA 92024-2788 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 514 KRISTEN CT, ENCINITAS, CA 92024-2788 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000240243 |
|---|---|
| Date | May 30, 2017 |
| Instrument | 2017-0240243 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 514 KRISTEN CT, ENCINITAS, CA 92024-2788 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000380825 |
|---|---|
| Date | Sep 4, 2019 |
| Instrument | 2019-0380825 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 514 KRISTEN CT, ENCINITAS, CA 92024-2788 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000088897 |
|---|---|
| Date | Feb 21, 2020 |
| Instrument | 2020-0088897 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 514 KRISTEN CT, ENCINITAS, CA 92024-2788 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIDELITY NATL TTL SAN DIEGO |
| Name | Verified Name |
|---|---|
| Address | 514 KRISTEN CT, ENCINITAS, CA 92024-2788 |
| Document Number | 0000619647 |
|---|---|
| Date | Oct 13, 2020 |
| Instrument | 2020-0619647 |
| Name | RIGHT START MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | LA PUENTE, CA 91746 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
The 2025 property tax bill for 514 Kristen Ct, #16 was $7,492 with a homeowner's exemption.
Source: San Diego County assessment roll, as of July 28, 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) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $565,810 (+2%) Land $82,885 Building $482,925 | |
| 2025 | $7,492.00 Homeowner's exemption | $554,716 Land $81,260 Building $473,456 |
| 2023 | $7,082.00 (+1.81%) Homeowner's exemption | $533,177 Land $78,105 Building $455,072 |
| 2022 | $6,956.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 514 Kristen Ct, #16 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 risk around 514 Kristen Ct, #16 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 97% of the US · lower than 97.8% of California |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 316 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Ting Fiber | 2,000 / 2,000 |
| Cox Communications Cable · Fiber in parts of the area | 2,000 / 100 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
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