541 Lynwood Dr, Encinitas, CA 92024 Property Records

San Diego County property record for 541 Lynwood Dr, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,781 sqft · built 2003
Lot Size	0.405 acres (17,644 sqft)
Owner	2 Company Names on Record
Last Sale	$1,042,000 (Apr 2004)
Tax Bill	$23,291 (2025)
Deeds & Mortgages	Jun 2026 Reverse Mortgage Mar 2024 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`254-693-07-00`

Property Details

APN / Parcel Number

Primary APN	`254-693-07-00`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Building Area	3,781 sqft Living Area

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Lot Area	17,644 sqft (0.405 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	541 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 81 TR 014280
Legal Subdivision	ENCINITAS ESTATES
Legal Tract	014280
Legal Block	2
Legal Lot Number	81
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 Company Names on Record
Mailing Address	541 LYNWOOD DR, ENCINITAS, CA 92024-2387
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2026	Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC
Mar 5, 2024	Deed of Trust, Mortgage · Commercial Mortgage COLE A BORGERDING
May 1, 2019	Deed of Trust, Mortgage · Conventional Mortgage COLE BORGERDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 15, 2004 · Amount on Record
Deed Sale	Apr 15, 2004 · Amount on Record
Prior Sale	Mar 5, 2004
Deed Document Number	2004324210
Last Transfer Date	May 24, 2013
Transfer Doc	0000345774
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 3, 2026
Property Address	541 LYNWOOD DR, ENCINITAS, CA 92024-2387
Document Number	0000159290
Instrument Date	May 1, 2026
Instrument	2026159290
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust, 221
Address	541 LYNWOOD DR, ENCINITAS, CA 92024-2387
Investor	Possibly a Property Investor

Mortgage

Document Number	0000159290,
Date	Jun 3, 2026
Instrument	2026159290

Lender

Name	FINANCE OF AMERICA REVERSE LLC

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	999 Months
Due	Jul 20, 2114

Interest

Rate	6.46%
Max Rate	-1%

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	541 LYNWOOD DR, ENCINITAS, CA 92024-2387
Transaction Type	Mortgage
Record Updated	Mar 13, 2024
Title Company	CORINTHIAN TITLE COMPANY, CORINTHIAN TITLE COMPANY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	541 LYNWOOD DR, ENCINITAS, CA 92024-2387

Mortgage

Document Number	0000055486
Date	Mar 5, 2024
Instrument	2024-0055486

Lender

Name	COLE A BORGERDING
Type	Private Party
Address	1870 WASHINGTON PL, SAN DIEGO, CA 92103

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	541 LYNWOOD DR, ENCINITAS, CA 92024-2387
Document Number	0000234926
Instrument Date	May 1, 2019
Transaction Type	Mortgage
Record Updated	Jul 3, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	541 LYNWOOD DR ENCINITAS CA 920242387, ENCINITAS, CA 92024-2387

Mortgage

Document Number	0000234926
Date	Jun 17, 2019
Instrument	234926

Lender

Name	COLE BORGERDING
Address	1870 WASHINGTON PL, SAN DIEGO, CA 92103-2723

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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		$1,656,043 (+2%) Land $493,068 Building $1,162,975
2025	$23,291.00 (+6.06%) Homeowner's exemption	$1,623,572 (+4.04%) Land $483,400 Building $1,140,172
2023	$21,960.00 (+5.03%) Homeowner's exemption	$1,560,529 Land $464,630 Building $1,095,899
2022	$20,908.00

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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