609 Polaris Dr, Encinitas, CA 92024 Property Records

San Diego County property record for 609 Polaris Dr, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,272 sqft · built 2016
Lot Size	0.224 acres (9,758 sqft)
Owner	Company Name on Record
Last Sale	$1,285,500 (Mar 2016)
Tax Bill	$18,609 (2025)
Deeds & Mortgages	Mar 2021 Mortgage May 2017 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`256-440-02-00`

Property Details

APN / Parcel Number

Primary APN	`256-440-02-00`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Building Area	3,272 sqft Living Area

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Lot Area	9,758 sqft (0.224 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	609 POLARIS DR
City	ENCINITAS
State	CA
Zip	92024-2483
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LOT 2 TR 015910
Legal Subdivision	CITY/ENCINITAS
Legal Tract	015910
Legal Block	1
Legal Lot Number	2
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1000
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	Company Name on Record
Mailing Address	609 POLARIS DR, ENCINITAS, CA 92024-2483
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage BBVA USA
May 10, 2017	Deed of Trust, Mortgage · Line of Credit COMPASS BANK
Feb 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage BBVA USA
Sep 7, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 2, 2016 · Amount on Record
Deed Sale	Mar 2, 2016 · Amount on Record
Deed Document Number	201692721
Last Transfer Date	Aug 30, 2017
Transfer Doc	0000410201
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	609 POLARIS DR, ENCINITAS, CA 92024-2483
Transaction Type	Mortgage
Record Updated	Apr 6, 2021
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	609 POLARIS DR, ENCINITAS, CA 92024-2483

Mortgage

Document Number	0000237517
Date	Mar 26, 2021
Instrument	2021-0237517

Lender

Name	BBVA USA
Type	Bank
Address	BIRMINGHAM, AL 35296

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	609 POLARIS DR, ENCINITAS, CA 92024-2483
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000209710
Date	May 10, 2017
Instrument	2017-0209710

Lender

Name	COMPASS BANK
Type	Bank
Address	SAN DIEGO, CA 92126

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	419 Months
Due	Apr 27, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	609 POLARIS DR, ENCINITAS, CA 92024-2483
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CORINTHIAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000055246
Date	Feb 3, 2020
Instrument	2020-0055246

Lender

Name	BBVA USA
Type	Bank
Address	BIRMINGHAM, AL 35296

Agreement

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

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 7, 2017
Property Address	609 POLARIS DR, ENCINITAS, CA 92024-2483
Document Number	0000410201
Instrument Date	Aug 30, 2017
Instrument	410201
Transaction Type	Transfer
Record Updated	Sep 12, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	609 POLARIS DR ENCINITAS CA 920242483, ENCINITAS, CA 92024-2483

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		$1,600,792 (+2%) Land $664,107 Building $936,685
2025	$18,609.00 (+7.32%) Homeowner's exemption	$1,569,405 (+4.04%) Land $651,086 Building $918,319
2023	$17,340.00 (+2.18%) Homeowner's exemption	$1,508,464 Land $625,804 Building $882,660
2022	$16,970.00

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	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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 98.4% of California
Wildfire Likelihood	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 358 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.

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