San Diego County property record for 544 Cerro St, Encinitas, CA 92024 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1976 |
| Square Footage | 1,633 sqft Living Area |
| Lot Size | 9,800 sqft (0.225 acres) |
| Garage | Carport |
| Last Sale | $820,000 (2017) |
| Tax Bill | $10,738.00 (2025) |
| Primary APN | 262-110-35-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Building Area | 1,633 sqft Living Area |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Exterior Material | Stucco Exterior |
| Construction Type | Frame Construction |
| Roof Material | Wood Shingle Roof |
| Lot Area | 9,800 sqft (0.225 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 | 544 CERRO ST |
|---|---|
| City | ENCINITAS |
| State | CA |
| Zip | 92024-4703 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 347 TR 008215 |
| Legal Subdivision | SUMMERFIELD ENCINITAS |
| Legal Tract | 008215 |
| Legal Block | 4 |
| Legal Lot Number | 347 |
| Jurisdiction | SAN DIEGO CA |
| Minor Civil Division | SAN DIEGO |
| Census Blockgroup | 4 |
| Census Block | 4009 |
| Census Tract | 17403 |
Source: San Diego County records · APN 262-110-35-00
Assessment roll updated July 28, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 528 CERRO ST, ENCINITAS, CA 92024-4703 |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Married Man as his Sole and Separate Property |
| Date | Document |
|---|---|
| May 04, 2026 | Gift Deed, Transfer · Balloon Payment KOI CORPORATION |
| Jan 20, 2017 | Deed of Trust, Mortgage · Adjustable Rate Mortgage (ARM) WELLS FARGO BANK NA |
| Nov 13, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Feb 21, 2020 | Quit Claim Deed NOT AVAILABLE |
| Oct 26, 2017 | Quit Claim Deed, Transfer STEWART TITLE |
| Oct 26, 2017 | Grant Deed, Transfer · Conventional Mortgage HOMESTREET BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 26, 2017 · Amount on Record |
| Deed Sale | Oct 26, 2017 · Amount on Record |
| Prior Sale | Oct 07, 2008 · Amount on Record |
| Deed Doc Number | 2017500408 |
| Prior Transfer Date | Sep 19, 2008 |
| Prior Transfer Doc | 0000123602 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Gift Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | May 04, 2026 |
| Property Address | 544 CERRO ST, ENCINITAS, CA 92024-4703 |
| Document Number | 0000126794 |
| Instrument Date | Apr 30, 2026 |
| Instrument | 2026126794 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2026 |
| Title Company | PACIFIC COAST TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 528 CERRO ST, ENCINITAS, CA 92024-4703 |
| Document Number | 0000126795, |
|---|---|
| Date | May 04, 2026 |
| Instrument | 2026126795 |
| Name | KOI CORPORATION |
|---|
| Type | Balloon Payment |
|---|---|
| Amount | Amount Recorded |
| Term | 36 Months |
| Due | May 01, 2029 |
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 544 CERRO ST, ENCINITAS, CA 92024-4703 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2022 |
| Title Company | TICOR TITLE SAN DIEGO |
| Name | Verified Name |
|---|
| Document Number | 0000032269 |
|---|---|
| Date | Jan 20, 2017 |
| Instrument | 2017-0032269 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Adjustable Rate Mortgage (ARM) |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.87% |
| Adjustable | Document includes a rider for adjustable-rate mortgage with a specific rate change date. |
| Type Change Date | Feb 01, 2024 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.87% |
| Index | 1-Year LIBOR |
| Max Rate | 8.87% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Nov 13, 2020 |
| Property Address | 544 CERRO ST, ENCINITAS, CA 92024-4703 |
| Document Number | 0000712113 |
| Instrument Date | Sep 30, 2020 |
| Instrument | 712113 |
| Transaction Type | Transfer |
| Record Updated | Nov 23, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | PO BOX 2637 RANCHO SANTA FE CA 920672637, RANCHO SANTA FE, CA 92067-2637 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Feb 21, 2020 |
| Property Address | 544 CERRO ST, ENCINITAS, CA 92024-4703 |
| Document Number | 0000088903 |
| Instrument Date | Sep 07, 2019 |
| Instrument | 88903 |
| Record Updated | Mar 04, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 2637 RANCHO SANTA FE CA 920672637, RANCHO SANTA FE, CA 92067-2637 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Oct 26, 2017 |
| Property Address | 544 CERRO ST, ENCINITAS, CA 92024-4703 |
| Document Number | 0000500407 |
| Instrument Date | Oct 11, 2017 |
| Instrument | 500407 |
| Transaction Type | Transfer |
| Record Updated | Oct 31, 2017 |
| Title Company | STEWART TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 2486 CALLE SAN CLEMENTE ENCINITAS CA 920246606, ENCINITAS, CA 92024-6606 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Oct 26, 2017 |
| Property Address | 544 CERRO ST, ENCINITAS, CA 92024-4703 |
| Document Number | 0000500408 |
| Map Reference | MAP8215 |
| Instrument Date | Oct 10, 2017 |
| Instrument | 2017-0500408 |
| Transaction Type | Transfer |
| Record Updated | Aug 23, 2022 |
| Title Company | STEWART TITLE OF CALIFORNIA |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | PO BOX 2637, RANCHO SANTA FE, CA 92067-2637 |
| Document Number | 0000500409 |
|---|---|
| Date | Oct 26, 2017 |
| Instrument | 2017-0500409 |
| Name | HOMESTREET BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2047 |
Source: San Diego County records · Assessment roll updated July 28, 2026 · Last verified August 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 | $951,670 (+2%) Land $731,536 Building $220,134 | |
| 2025 | $10,738.00 (+4.08%) | $933,011 (+4.04%) Land $717,193 Building $215,818 |
| 2024 | $10,317.00 (+2.82%) | |
| 2023 | $10,034.00 (+2.36%) | $896,784 Land $689,345 Building $207,439 |
| 2022 | $9,803.00 |
544 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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