San Diego County property record for 543 Cerro St, Encinitas, CA 92024 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1976 |
| Square Footage | 1,983 sqft Living Area |
| Lot Size | 12,300 sqft (0.282 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $699,000 (2013) |
| Tax Bill | $9,886.00 (2025) |
| Primary APN | 262-110-40-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Building Area | 1,983 sqft Living Area |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Contemporary Style |
| Exterior Material | Stucco Exterior |
| Construction Type | Frame Construction |
| Roof Material | Wood Shingle Roof |
| Lot Area | 12,300 sqft (0.282 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Carport Garage |
| Carport | Carport |
| Heating System | Forced Air with Air Conditioning Heating |
|---|---|
| Sewage | Municipal Sewage |
| Water Source | Commercial Water Source |
| Street Address | 543 CERRO ST |
|---|---|
| City | ENCINITAS |
| State | CA |
| Zip | 92024-4704 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 352 TR 008215 |
| Legal Subdivision | SUMMERFIELD ENCINITAS |
| Legal Tract | 008215 |
| Legal Block | 2 |
| Legal Lot Number | 352 |
| Jurisdiction | SAN DIEGO CA |
| Minor Civil Division | SAN DIEGO |
| Census Blockgroup | 2 |
| Census Block | 2000 |
| Census Tract | 17403 |
Source: San Diego County records · APN 262-110-40-00
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 543 CERRO ST, ENCINITAS, CA 92024-4704 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| May 11, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Mar 13, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FIN'L |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 11, 2013 · Amount on Record |
| Deed Sale | Apr 11, 2013 · Amount on Record |
| Prior Sale | Dec 05, 2012 · Amount on Record |
| Deed Doc Number | 2013226794 |
| Prior Transfer Date | Dec 14, 2012 |
| Prior Transfer Doc | 0000800912 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 543 CERRO ST, ENCINITAS, CA 92024-4704 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2022 |
| Title Company | LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 543 CERRO ST, ENCINITAS, CA 92024-4704 |
| Document Number | 0000359783 |
|---|---|
| Date | May 11, 2021 |
| Instrument | 2021-0359783 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Apr 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 543 CERRO ST, ENCINITAS, CA 92024-4704 |
| Document Number | 0000157732 |
| Instrument Date | Mar 13, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 543 CERRO ST ENCINITAS CA 920244704, ENCINITAS, CA 92024-4704 |
| Document Number | 0000157732 |
|---|---|
| Date | Mar 26, 2020 |
| Instrument | 157732 |
| Name | CARDINAL FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 25, 2050 |
Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 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) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $877,970 (+2%) Land $668,933 Building $209,037 | |
| 2025 | $9,886.00 (+7.13%) Homeowner's exemption | $860,756 (+4.04%) Land $655,817 Building $204,939 |
| 2023 | $9,228.00 (+2.4%) Homeowner's exemption | $827,333 Land $630,351 Building $196,982 |
| 2022 | $9,012.00 |
543 Cerro St is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.
Source: FEMA National Flood Hazard Layer · San Diego County (06073C), updated September 3, 2026
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach of burnable land |
Values are read at the parcel center point; lenders make the official flood determination.
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