520 Paloma Ct, Encinitas, CA 92024 Property Records

San Diego County property record for 520 Paloma Ct, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	5 bd · 5.5 ba · 3,224 sqft · built 2002
Lot Size	0.168 acres (7,315 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,050,000 (Jul 2013)
Tax Bill	$16,987 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`254-701-09-00`

Property Details

APN / Parcel Number

Primary APN	`254-701-09-00`

Interior

Bedrooms	5 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Building Area	3,224 sqft Living Area

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Lot Area	7,315 sqft (0.168 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	520 PALOMA CT
City	ENCINITAS
State	CA
Zip	92024-2392
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ER-SFR3V
Legal Description	LOT 45 TR 014257
Legal Subdivision	ENCINITAS ESTATES
Legal Tract	014257
Legal Block	2
Legal Lot Number	45
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2000
Census Tract	17605

Owner

Source: San Diego County records, 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 Individual Names on Record
Mailing Address	520 PALOMA CT, ENCINITAS, CA 92024-2392
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage EXCEL REALTY & MORTGAGE INC
Mar 17, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage EXCEL REALTY & MORTGAGE INC
Nov 20, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage EXCEL MORGAGE SERVICES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 23, 2013 · Amount on Record
Deed Sale	Jul 23, 2013 · Amount on Record
Prior Sale	Nov 27, 2002 · Amount on Record
Deed Document Number	2013458040
Prior Transfer Date	Jul 11, 2013
Prior Transfer Doc	0000458039
Record Updated	Sep 20, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	520 PALOMA CT, ENCINITAS, CA 92024-2392
Transaction Type	Mortgage
Record Updated	Jul 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000407001
Date	Jul 27, 2020
Instrument	2020-0407001

Lender

Name	EXCEL REALTY & MORTGAGE INC
Type	Non-Lending Institution
Address	PLEASANTON, CA 94588

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2035

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 17, 2021
Property Address	520 PALOMA CT, ENCINITAS, CA 92024-2392
Document Number	0000208637
Map Reference	MAP 14257
Instrument Date	Mar 5, 2021
Instrument	2021-0208637
Transaction Type	Transfer
Record Updated	Jul 22, 2022
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

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	Joint Tenants
Address	520 PALOMA CT, ENCINITAS, CA 92024-2392

Mortgage

Document Number	0000208638
Date	Mar 17, 2021
Instrument	2021-0208638

Lender

Name	EXCEL REALTY & MORTGAGE INC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2036

November 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 20, 2019
Property Address	520 PALOMA CT, ENCINITAS, CA 92024-2392
Document Number	0000539268
Map Reference	MAP 14257
Instrument Date	Nov 14, 2019
Instrument	2019-0539268
Transaction Type	Transfer
Record Updated	Jul 22, 2022
Title Company	STEWART TITLE OF CA INC

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
Address	520 PALOMA CT, ENCINITAS, CA 92024-2392

Mortgage

Document Number	0000539269
Date	Nov 20, 2019
Instrument	2019-0539269

Lender

Name	EXCEL MORGAGE SERVICES
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2034

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		$1,312,888 (+2%) Land $750,222 Building $562,666
2025	$16,987.00 (+4.18%) Homeowner's exemption	$1,287,146 (+4.04%) Land $735,512 Building $551,634
2023	$16,306.00 (+5.08%) Homeowner's exemption	$1,237,166 Land $706,952 Building $530,214
2022	$15,518.00

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	5 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

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	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

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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