518 Whisper Wind Dr, Encinitas, CA 92024 Property Records

San Diego County property record for 518 Whisper Wind Dr, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 5,700 sqft · built 1992
Lot Size	1.06 acres (46,609 sqft)
Owner	2 Company Names on File
Tax Bill	$18,841 (2025)
Deeds & Mortgages	Jun 2021 Mortgage May 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`265-390-36-00`

Property Details

APN / Parcel Number

Primary APN	`265-390-36-00`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Building Area	5,700 sqft Living Area

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Lot Area	46,609 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	518 WHISPER WIND DR
City	ENCINITAS
State	CA
Zip	92024-6551
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR2
Legal Description	PAR 3 TR PM10526
Legal Subdivision	PARCEL MAP NO 10526
Legal Tract	10526
Legal Block	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1001
Census Tract	17104

Owner

Source: San Diego County assessment roll, 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	2 Company Names on File
Mailing Address	518 WHISPER WIND DR, ENCINITAS, CA 92024-6551
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Jun 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage CITADEL SERVICING CORPORATION
May 2, 2019	Deed of Trust, Mortgage RESMAC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 30, 1993
Deed Sale	Nov 30, 1993
Prior Sale	Oct 17, 1988 · Amount on Record
Deed Document Number	1993803278
Last Transfer Date	Jul 9, 2025
Transfer Doc	0000194920
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	518 WHISPER WIND DR, ENCINITAS, CA 92024-6551
Transaction Type	Mortgage
Record Updated	Jun 23, 2021
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	518 WHISPER WIND DR, ENCINITAS, CA 92024-6551

Mortgage

Document Number	0000437242
Date	Jun 14, 2021
Instrument	2021-0437242

Lender

Name	CITADEL SERVICING CORPORATION
Type	Non-Lending Institution
Address	LAKE FOREST, CA 92630

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	518 WHISPER WIND DR, ENCINITAS, CA 92024-6551
Document Number	0000177372
Instrument Date	May 2, 2019
Transaction Type	Mortgage
Record Updated	May 17, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 231833 ENCINITAS CA 920231833, ENCINITAS, CA 92023-1833

Mortgage

Document Number	0000177372
Date	May 10, 2019
Instrument	177372

Lender

Name	RESMAC
Address	398 NE 6TH AVE # B, DELRAY BEACH, FL 33483-5517

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 9, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.5%

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		$1,570,561 (+2%) Land $406,347 Building $1,164,214
2025	$18,841.00 (+9.22%) Homeowner's exemption	$1,539,767 (+4.04%) Land $398,380 Building $1,141,387
2023	$17,250.00 (+1.27%) Homeowner's exemption	$1,479,977 Land $382,911 Building $1,097,066
2022	$17,034.00

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
Nearby Flood Claims	1 (2019)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Nov 2019 · rainfall accumulation

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	Low lower than 98% of the US · lower than 98.4% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

May also be available: California Internet, San Diego Broadband, Spectrum, T-Mobile USA, Ting Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

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