San Diego County property record for 520 Gardena Ct, Encinitas, CA 92024 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,663 sqft · built 1990 |
| Lot Size | 0.106 acres (4,602 sqft) |
| Owner | Company Name on File |
| Last Sale | $252,500 (May 1989) |
| Tax Bill | $5,783 (2025) |
| Deeds & Mortgages | Apr 2022 Reverse Mortgage Feb 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 258-251-44-00 |
| Primary APN | 258-251-44-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 1,663 sqft Living Area |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Lot Area | 4,602 sqft (0.106 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 520 GARDENA CT |
|---|---|
| City | ENCINITAS |
| State | CA |
| Zip | 92024-4654 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 18 TR 012223 |
| Legal Subdivision | ENCINITAS ESTATES |
| Legal Tract | 012223 |
| Legal Block | 2 |
| Legal Lot Number | 18 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | SAN DIEGO |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 17502 |
Source: San Diego County records · APN 258-251-44-00
Assessment roll updated July 28, 2026 · Last verified August 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 | 520 GARDENA CT, ENCINITAS, CA 92024-4654 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Date | Document |
|---|---|
| Apr 05, 2022 | Deed of Trust, Mortgage · Reverse Mortgage MUTUAL OF OMAHA MORTGAGE INC |
| Feb 01, 2017 | Deed of Trust, Mortgage · Line of Credit SAN DIEGO COUNTY CU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 09, 1989 · Amount on Record |
| Deed Sale | May 09, 1989 · Amount on Record |
| Deed Document Number | 1989244757 |
| Last Transfer Date | Apr 09, 2004 |
| Transfer Doc | 0000399189 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 520 GARDENA CT, ENCINITAS, CA 92024-4654 |
| Transaction Type | Mortgage |
| Record Updated | Apr 13, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 520 GARDENA CT, ENCINITAS, CA 92024-4654 |
| Document Number | 0000148862 |
|---|---|
| Date | Apr 05, 2022 |
| Instrument | 2022-0148862 |
| Name | MUTUAL OF OMAHA MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92108 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 821 Months |
| Due | Sep 09, 2090 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 520 GARDENA CT, ENCINITAS, CA 92024-4654 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | STEWART TITLE OF CA INC |
| Name | Verified Name |
|---|
| Document Number | 0000051856 |
|---|---|
| Date | Feb 01, 2017 |
| Instrument | 2017-0051856 |
| Name | SAN DIEGO COUNTY CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Feb 27, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Index | Prime Rate |
| Max Rate | 16.7% |
Source: San Diego County records · Assessment roll updated July 28, 2026 · Last verified August 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) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $483,281 (+2%) Land $153,110 Building $330,171 | |
| 2025 | $5,783.00 (+7.17%) Homeowner's exemption | $473,806 (+4.04%) Land $150,108 Building $323,698 |
| 2023 | $5,396.00 (+1.87%) Homeowner's exemption | $455,409 Land $144,280 Building $311,129 |
| 2022 | $5,297.00 |
Source: FEMA National Flood Hazard Layer, San Diego County (06073C), updated September 3, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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