San Diego County property record for 575 Kristen Ct, Encinitas, CA 92024
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,619 sqft · built 1998 |
| Lot Size | 0.209 acres (9,113 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,205,000 (Aug 2018) |
| Tax Bill | $16,407 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage Dec 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 258-420-25-00 |
| Primary APN | 258-420-25-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,619 sqft Living Area |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Lot Area | 9,113 sqft (0.209 acres) |
| Parking Spaces | 4 Parking Spaces |
| Old Parcel Number | 2584200100 |
|---|---|
| Street Address | 575 KRISTEN CT |
| City | ENCINITAS |
| State | CA |
| Zip | 92024-2700 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R5 |
| Legal Description | LOT 3 LOT 1 PER DOC96-643475 IN LOTS 1 THRU TR 013345 |
| Legal Subdivision | ENCINITAS ESTATES |
| Legal Tract | 013345 |
| Legal Block | 1 |
| Legal Lot Number | 3,1 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | SAN DIEGO |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 17605 |
Source: San Diego County records, as of July 28, 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 | 575 KRISTEN CT, ENCINITAS, CA 92024-2700 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Borrower in Default |
| Date | Document |
|---|---|
| Jan 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA |
| Dec 17, 2019 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Aug 13, 2018 | Grant Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 13, 2018 · Amount on Record |
| Deed Sale | Aug 13, 2018 · Amount on Record |
| Prior Sale | Mar 20, 2008 · Amount on Record |
| Deed Document Number | 2018331459 |
| Prior Transfer Date | Jan 15, 2015 |
| Prior Transfer Doc | 0000022374 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 575 KRISTEN CT, ENCINITAS, CA 92024-2700 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2021 |
| Name | Verified Name |
|---|---|
| Address | 575 KRISTEN CT, ENCINITAS, CA 92024-2700 |
| Document Number | 0000066085 |
|---|---|
| Date | Jan 28, 2021 |
| Instrument | 2021-0066085 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.12% |
| Type Change Date | Feb 1, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.12% |
| Index | 1-Year LIBOR |
| Max Rate | 8.12% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 575 KRISTEN CT, ENCINITAS, CA 92024-2700 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | NORTH AMERICAN TITLE CO INC |
| Name | Verified Name |
|---|
| Document Number | 0000587657 |
|---|---|
| Date | Dec 17, 2019 |
| Instrument | 2019-0587657 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Aug 13, 2018 |
| Property Address | 575 KRISTEN CT, ENCINITAS, CA 92024-2700 |
| Document Number | 0000331459 |
| Map Reference | FILE 1996-0643475 |
| Instrument Date | Jul 22, 2018 |
| Instrument | 2018-0331459 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Title Company | LAWYERS TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 575 KRISTEN CT, ENCINITAS, CA 92024-2700 |
| Document Number | 0000331460 |
|---|---|
| Date | Aug 13, 2018 |
| Instrument | 2018-0331460 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2048 |
Source: San Diego County assessment roll, as of July 28, 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) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $1,371,078 (+2%) Land $796,478 Building $574,600 | |
| 2025 | $16,407.00 (+7.31%) | $1,344,195 (+4.04%) Land $780,861 Building $563,334 |
| 2023 | $15,289.00 (+1.54%) | $1,292,000 Land $750,540 Building $541,460 |
| 2022 | $15,057.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 | 3 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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 316 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 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
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