San Diego County property record for 531 Kristen Ct, Encinitas, CA 92024
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4.5 ba · 3,709 sqft · built 1999 |
| Lot Size | 0.329 acres (14,351 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,155,000 (Jan 2012) |
| Tax Bill | $18,324 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit Apr 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 258-420-31-00 |
| Primary APN | 258-420-31-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 3,709 sqft Living Area |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Lot Area | 14,351 sqft (0.329 acres) |
| Parking Spaces | 4 Parking Spaces |
| Old Parcel Number | 2584201000 |
|---|---|
| Street Address | 531 KRISTEN CT |
| City | ENCINITAS |
| State | CA |
| Zip | 92024-2700 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R5 |
| Legal Description | LOT 10 LOT 10 PER DOC96-643475 IN LOT 9& TR 013345 |
| Legal Subdivision | ENCINITAS ESTATES |
| Legal Tract | 013345 |
| Legal Block | 1 |
| Legal Lot Number | 10,9 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | SAN DIEGO |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 17605 |
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 | 531 KRISTEN CT, ENCINITAS, CA 92024-2700 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Dec 18, 2025 | Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK |
| Apr 4, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB |
| Jun 29, 2018 | Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 10, 2012 · Amount on Record |
| Deed Sale | Jan 10, 2012 · Amount on Record |
| Prior Sale | Aug 10, 2007 · Amount on Record |
| Deed Document Number | 201214676 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 531 KRISTEN CT, ENCINITAS, CA 92024-2700 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2026 |
| Name | Verified Name |
|---|---|
| Address | 531 KRISTEN CT, ENCINITAS, CA 92024-2700 |
| Document Number | 0000357038 |
|---|---|
| Date | Dec 18, 2025 |
| Instrument | 2025-0357038 |
| Name | COASTAL COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | DALY CITY, CA 94014 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 531 KRISTEN CT, ENCINITAS, CA 92024-2700 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2026 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE IE |
| Name | Verified Name |
|---|---|
| Address | 531 KRISTEN CT, ENCINITAS, CA 92024-2700 |
| Investor | Possibly a Property Investor |
| Document Number | 0000147668 |
|---|---|
| Date | Apr 4, 2022 |
| Instrument | 2022-0147668 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.37% |
| Type Change Date | Apr 1, 2029 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 8.37% |
| Index | Other |
| Margin | 3 |
| Max Rate | 8.37% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 531 KRISTEN CT, ENCINITAS, CA 92024-2700 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | CALIFORNIA TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000267387 |
|---|---|
| Date | Jun 29, 2018 |
| Instrument | 2018-0267387 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 22, 2048 |
Source: San Diego County assessment roll, as of July 21, 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) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $1,550,105 (+2%) Land $614,958 Building $935,147 | |
| 2025 | $18,324.00 (+6.31%) Homeowner's exemption | $1,519,711 (+4.04%) Land $602,900 Building $916,811 |
| 2023 | $17,236.00 (+2.71%) Homeowner's exemption | $1,460,701 Land $579,490 Building $881,211 |
| 2022 | $16,782.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 | 3 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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 316 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Ting Fiber | 2,000 / 2,000 |
| Cox Communications Cable · Fiber in parts of the area | 2,000 / 100 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
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