525 Ocean Bluff Way, Encinitas, CA 92024 Property Records

San Diego County property record for 525 Ocean Bluff Way, Encinitas, CA 92024 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,750 sqft · built 2006
Lot Size	0.57 acres (24,829 sqft)
Owner	Company Name on File
Last Sale	$1,389,000 (Feb 2008)
Tax Bill	$22,259 (2025)
Deeds & Mortgages	Mar 2023 Line of Credit Jan 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`258-141-52-00`

Property Details

APN / Parcel Number

Primary APN	`258-141-52-00`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	3,750 sqft Living Area

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Lot Area	24,829 sqft (0.57 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	525 OCEAN BLUFF WAY
City	ENCINITAS
State	CA
Zip	92024-3846
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 12 TR 014482
Legal Subdivision	ENCINITAS ESTATES
Legal Tract	014482
Legal Block	1
Legal Lot Number	12
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1000
Census Tract	17502

Owner

Source: San Diego County records · APN 258-141-52-00

Assessment roll updated July 21, 2026 · Last verified July 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	525 OCEAN BLUFF WAY, ENCINITAS, CA 92024-3846
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2023	Deed of Trust, Mortgage · Line of Credit HOME POINT FINANCIAL CORPORATION
Jan 15, 2020	Deed of Trust, Mortgage PACIFIC PREMIER BK
Oct 18, 2017	Intrafamily Transfer, Transfer · ARM MUFG UNION BANK NA

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 14, 2008 · Amount on Record
Deed Sale	Feb 14, 2008 · Amount on Record
Prior Sale	Jan 24, 2008 · Amount on Record
Deed Document Number	200878477
Last Transfer Date	Oct 13, 2017
Transfer Doc	0000483709
Record Updated	Sep 20, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	525 OCEAN BLUFF WAY, ENCINITAS, CA 92024-3846
Transaction Type	Mortgage
Record Updated	Mar 27, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	525 OCEAN BLUFF WAY, ENCINITAS, CA 92024-3846

Mortgage

Document Number	0000066753
Date	Mar 16, 2023
Instrument	2023-0066753

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	ANN ARBOR, MI 48105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Mar 15, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	525 OCEAN BLUFF WAY, ENCINITAS, CA 92024-3846
Document Number	0000052901
Instrument Date	Jan 15, 2020
Transaction Type	Mortgage
Record Updated	Feb 13, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	3707 COPPER CREST RD ENCINITAS CA 920247206, ENCINITAS, CA 92024-7206

Mortgage

Document Number	0000052901
Date	Jan 31, 2020
Instrument	52901

Lender

Name	PACIFIC PREMIER BK
Type	Bank
Address	17901 VON KARMAN AVE # 1200, IRVINE, CA 92614-5248

Agreement

Amount	Amount Recorded

October 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 18, 2017
Property Address	525 OCEAN BLUFF WAY, ENCINITAS, CA 92024-3846
Document Number	0000483709
Map Reference	MAP14482
Instrument Date	Oct 13, 2017
Instrument	2017-0483709
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	TICOR TITLE SAN DIEGO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	525 OCEAN BLUFF WAY, ENCINITAS, CA 92024-3846

Mortgage

Document Number	0000483710
Date	Oct 18, 2017
Instrument	2017-0483710

Lender

Name	MUFG UNION BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Type Change Date	Nov 01, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.12%
Index	1-Year LIBOR
Max Rate	9.12%

Tax Assessment & Valuation

Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 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

Assessed value is set for property tax purposes and is not a market price estimate.

Year	Tax Bill	Assessed Value
2026		$1,911,914 (+2%) Land $777,068 Building $1,134,846
2025	$22,259.00 (-11.44%) Homeowner's exemption	$1,874,427 (+4.04%) Land $761,832 Building $1,112,595
2023	$25,133.00 (+5.18%) Homeowner's exemption	$1,801,643 Land $732,250 Building $1,069,393
2022	$23,895.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, San Diego County (06073C), updated September 3, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060730175021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1999)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 1999, tidal / storm surge

Wildfire

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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 256 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Ting Fiber	Fiber	2,000 / 2,000
Cox Communications	Cable	2,000 / 100
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	DSL	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: AT&T, Spectrum, Cox Communications, California Internet. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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