554 Stratford Dr, #56, Encinitas, CA 92024 Property Records

San Diego County property record for 554 Stratford Dr, #56, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	6 bd · 6 ba · 3,274 sqft · built 2002
Lot Size	0.36 acres (15,700 sqft)
Owner	2 Individual Names on Record
Last Sale	$4,995,000 (Apr 2026)
Tax Bill	$23,551 (2025)
Deeds & Mortgages	Oct 2021 Line of Credit Jul 2022 Second Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`258-103-23-00`

Property Details

APN / Parcel Number

Primary APN	`258-103-23-00`

Interior

Bedrooms	6 Beds
Full Baths	6 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	3,274 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Ranch
Exterior Material	Stucco
Roof Material	Composition Shingle
Lot Area	15,700 sqft (0.36 acres)
View / Lot	Good

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	554 STRATFORD DR, 56
City	ENCINITAS
State	CA
Zip	92024-4544
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Description	BLK F LOT 6 /EXC HWY OP/ TR 002141
Legal Subdivision	ENCINITAS HIGHLANDS
Legal Tract	002141
Legal Block	F
Legal Lot Number	6
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1004
Census Tract	17501

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	554 STRATFORD DR, 56, ENCINITAS, CA 92024-4544
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2021	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jul 27, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage US BANK NA
Apr 1, 2026	Grant Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK N A
Feb 2, 2018	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Mar 22, 2018	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Dec 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Apr 29, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2026 · Amount on Record
Deed Sale	Apr 1, 2026 · Amount on Record
Prior Sale	Sep 12, 2013 · Amount on Record
Deed Document Number	202687724
Prior Transfer Date	Apr 25, 2022
Prior Transfer Doc	0000187323
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	554 STRATFORD DR # 56, 56, ENCINITAS, CA 92024-4544
Transaction Type	Mortgage
Record Updated	Apr 8, 2026
Title Company	SOLIDIFI TITLE AND CLOSING, SOLIDIFI

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	554 STRATFORD DR, ENCINITAS, CA 92024-4544

Mortgage

Document Number	0000702714
Date	Oct 7, 2021
Instrument	2021-0702714

Lender

Name	US BANK NA
Type	Bank
Address	LA JOLLA, CA 92037

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	554 STRATFORD DR # 56, 56, ENCINITAS, CA 92024-4544
Transaction Type	Mortgage
Record Updated	Apr 8, 2026
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	554 STRATFORD DR, ENCINITAS, CA 92024-4544

Mortgage

Document Number	0000306631
Date	Jul 27, 2022
Instrument	2022-0306631

Lender

Name	US BANK NA
Type	Bank
Address	LA JOLLA, CA 92037

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

April 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 1, 2026
Property Address	554 STRATFORD DR, 56, ENCINITAS, CA 92024-4544
Document Number	0000087724
Instrument Date	Feb 20, 2026
Instrument	202687724
Transaction Type	Transfer
Record Updated	Jul 2, 2026
Title Company	CONSUMER TITLE, CONSUMERS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$554,944.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	554 STRATFORD DR, 56, ENCINITAS, CA 92024-4544

Mortgage

Document Number	0000087725,
Date	Apr 1, 2026
Instrument	202687725

Lender

Name	JPMORGAN CHASE BANK N A

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.13%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	554 STRATFORD DR # 56, 56, ENCINITAS, CA 92024-4544
Transaction Type	Mortgage
Record Updated	Aug 23, 2022
Title Company	NEXTITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000044019
Date	Feb 2, 2018
Instrument	2018-0044019

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2048

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	554 STRATFORD DR # 56, 56, ENCINITAS, CA 92024-4544
Transaction Type	Mortgage
Record Updated	Aug 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000112606
Date	Mar 22, 2018
Instrument	2018-0112606

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Apr 15, 2048

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	554 STRATFORD DR # 56, 56, ENCINITAS, CA 92024-4544
Transaction Type	Mortgage
Record Updated	Aug 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000604785
Date	Dec 26, 2019
Instrument	2019-0604785

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 29, 2022
Property Address	554 STRATFORD DR # 56, 56, ENCINITAS, CA 92024-4544
Document Number	0000187323
Map Reference	MAP 2141
Instrument Date	Apr 25, 2022
Instrument	2022-0187323
Transaction Type	Transfer
Record Updated	Dec 26, 2023
Title Company	WFG TITLE COMPANY/CA, WFG TITLE COMPANY OF CA

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	Family Trust
Address	554 STRATFORD DR, ENCINITAS, CA 92024-4544

Mortgage

Document Number	0000187324
Date	Apr 29, 2022
Instrument	2022-0187324

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

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		$2,083,597 (+2%) Land $1,250,376 Building $833,221
2025	$23,551.00 (+4.23%) Homeowner's exemption	$2,042,743 (+18.74%) Land $1,225,859 Building $816,884
2024	$22,595.00 (+16.13%)
2023	$19,456.00 (+9.29%) Homeowner's exemption	$1,720,285 Land $1,178,258 Building $542,027
2022	$17,802.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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	2 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 360 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Spectrum.

Nearby Properties on Stratford Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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