524 Lynwood Dr, Encinitas, CA 92024 Property Records

San Diego County property record for 524 Lynwood Dr, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	5 bd · 5.5 ba · 4,888 sqft · built 2004
Lot Size	0.214 acres (9,323 sqft)
Owner	Company Name on Record
Last Sale	$1,512,500 (Apr 2004)
Tax Bill	$28,784 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Jul 2021 Reverse Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`254-693-12-00`

Property Details

APN / Parcel Number

Primary APN	`254-693-12-00`

Interior

Bedrooms	5 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Building Area	4,888 sqft Living Area

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Lot Area	9,323 sqft (0.214 acres)
Parking Spaces	4 Parking Spaces

Location & Zoning

Street Address	524 LYNWOOD DR
City	ENCINITAS
State	CA
Zip	92024-2387
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ER-SFR3V
Legal Description	LOT 86 TR 014280
Legal Subdivision	ENCINITAS ESTATES
Legal Tract	014280
Legal Block	2
Legal Lot Number	86
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 28, 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 Record
Mailing Address	524 LYNWOOD DR, ENCINITAS, CA 92024-2387
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Nov 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jul 7, 2021	Deed of Trust, Mortgage · Reverse Mortgage QUICKEN LOANS LLC
Mar 7, 2019	Deed of Trust, Mortgage · ARM JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 22, 2004 · Amount on Record
Deed Sale	Apr 22, 2004 · Amount on Record
Deed Document Number	2004350831
Last Transfer Date	Jun 11, 2004
Transfer Doc	0000571912
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	524 LYNWOOD DR, ENCINITAS, CA 92024-2387
Transaction Type	Mortgage
Record Updated	Dec 7, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	524 LYNWOOD DR, ENCINITAS, CA 92024-2387

Mortgage

Document Number	0000809680
Date	Nov 24, 2021
Instrument	2021-0809680

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

Interest

Rate Type	Adjustable Rate
Type Change Date	Dec 1, 2028
Min Rate At Change	3%
Max Rate At Change	7.1%
Index	12-Month MTA
Margin	3
Max Rate	7.1%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	524 LYNWOOD DR, ENCINITAS, CA 92024-2387
Transaction Type	Mortgage
Record Updated	Jul 16, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	524 LYNWOOD DR, ENCINITAS, CA 92024-2387

Mortgage

Document Number	0000486685
Date	Jul 7, 2021
Instrument	2021-0486685

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.1%
Type Change Date	Jul 1, 2028
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	7.1%
Index	Other
Margin	3
Max Rate	7.1%

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	524 LYNWOOD DR, ENCINITAS, CA 92024-2387
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK TITLE CALIFORNIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000081196
Date	Mar 7, 2019
Instrument	2019-0081196

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Apr 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.5%
Index	1-Year LIBOR
Max Rate	8.5%

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		$2,280,196 (+2%) Land $870,131 Building $1,410,065
2025	$28,784.00 (+5.49%) Homeowner's exemption	$2,235,487 (+5.94%) Land $853,070 Building $1,382,417
2023	$27,285.00 (+5.07%) Homeowner's exemption	$2,110,237 Land $819,946 Building $1,290,291
2022	$25,969.00

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	Low lower than 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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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