538 Paloma Ct, Encinitas, CA 92024 Property Records

San Diego County property record for 538 Paloma Ct, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,409 sqft · built 2002
Lot Size	0.183 acres (7,987 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,100,000 (Dec 2016)
Tax Bill	$16,698 (2025)
Deeds & Mortgages	Feb 2023 Line of Credit Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`254-701-06-00`

Property Details

APN / Parcel Number

Primary APN	`254-701-06-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,409 sqft Living Area

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Lot Area	7,987 sqft (0.183 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	538 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 42 TR 014257
Legal Subdivision	ENCINITAS ESTATES
Legal Tract	014257
Legal Block	2
Legal Lot Number	42
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	538 PALOMA CT, ENCINITAS, CA 92024-2392
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 21, 2023	Deed of Trust, Mortgage · Line of Credit GUARANTEED RATE INC
Jun 16, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage GUARANTEED RATE INC
Jun 5, 2018	Deed of Trust, Mortgage · Line of Credit COMPASS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 28, 2016 · Amount on Record
Deed Sale	Dec 28, 2016 · Amount on Record
Prior Sale	Oct 30, 2003 · Amount on Record
Deed Document Number	2016712393
Prior Transfer Date	Dec 31, 2011
Prior Transfer Doc	0000229784
Record Updated	Sep 20, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	538 PALOMA CT, ENCINITAS, CA 92024-2392
Transaction Type	Mortgage
Record Updated	Mar 2, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	538 PALOMA CT, ENCINITAS, CA 92024-2392

Mortgage

Document Number	0000042433
Date	Feb 21, 2023
Instrument	2023-0042433

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 16, 2021
Property Address	538 PALOMA CT, ENCINITAS, CA 92024-2392
Document Number	0000443240
Map Reference	MAP 14257
Instrument Date	Jun 11, 2021
Instrument	2021-0443240
Transaction Type	Transfer
Record Updated	Jun 25, 2021
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

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	Community Property with Right of Survivorship
Address	538 PALOMA CT, ENCINITAS, CA 92024-2392

Mortgage

Document Number	0000443241
Date	Jun 16, 2021
Instrument	2021-0443241

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

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

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	538 PALOMA CT, ENCINITAS, CA 92024-2392
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000227017
Date	Jun 5, 2018
Instrument	2018-0227017

Lender

Name	COMPASS BANK
Type	Bank
Address	SAN DIEGO, CA 92128

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	May 23, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$1,302,170 (+2%) Land $621,491 Building $680,679
2025	$16,698.00 (+5.12%) Homeowner's exemption	$1,276,638 (+4.04%) Land $609,305 Building $667,333
2023	$15,885.00 (+4.85%) Homeowner's exemption	$1,227,067 Land $585,646 Building $641,421
2022	$15,150.00

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.

Nearby Properties on Paloma Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures