613 Polaris Dr, Encinitas, CA 92024 Property Records

San Diego County property record for 613 Polaris Dr, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 3,502 sqft · built 2016
Lot Size	0.258 acres (11,218 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,435,500 (Jun 2016)
Tax Bill	$20,449 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Aug 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`256-440-03-00`

Property Details

APN / Parcel Number

Primary APN	`256-440-03-00`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Building Area	3,502 sqft Living Area

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Lot Area	11,218 sqft (0.258 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	613 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 3 TR 015910
Legal Subdivision	ENCINITAS TENTATIVE MAP #09-08
Legal Tract	015910
Legal Block	1
Legal Lot Number	3
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	2 Individual Names on Record
Mailing Address	613 POLARIS DR, ENCINITAS, CA 92024-2483
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2022	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Aug 27, 2018	Deed of Trust, Mortgage · ARM MUFG UNION BANK NA
Feb 28, 2019	Deed of Trust, Mortgage · Line of Credit MUFG UNION BANK NA
Apr 19, 2019	Deed of Trust, Mortgage · ARM MUFG UNION BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 10, 2016 · Amount on Record
Deed Sale	Jun 10, 2016 · Amount on Record
Deed Document Number	2016286980
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	613 POLARIS DR, ENCINITAS, CA 92024-2483
Transaction Type	Mortgage
Record Updated	Mar 24, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	613 POLARIS DR, ENCINITAS, CA 92024-2483

Mortgage

Document Number	0000115930
Date	Mar 15, 2022
Instrument	2022-0115930

Lender

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

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.37%
Type Change Date	Apr 1, 2029
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	4.37%
Index	Other
Max Rate	7.37%

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	613 POLARIS DR, ENCINITAS, CA 92024-2483
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000352019
Date	Aug 27, 2018
Instrument	2018-0352019

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Sep 1, 2025
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	6.5%
Index	1-Year LIBOR
Max Rate	10.5%

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	613 POLARIS DR, ENCINITAS, CA 92024-2483
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CATTLEMENS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000072875
Date	Feb 28, 2019
Instrument	2019-0072875

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	ENCINITAS, CA 92024

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	613 POLARIS DR, ENCINITAS, CA 92024-2483
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000143305
Date	Apr 19, 2019
Instrument	2019-0143305

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	May 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	6%
Index	1-Year LIBOR
Max Rate	10%

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		$1,798,037 (+2%) Land $851,029 Building $947,008
2025	$20,449.00 (+7%) Homeowner's exemption	$1,762,783 (+4.04%) Land $834,343 Building $928,440
2023	$19,111.00 (+1.45%) Homeowner's exemption	$1,694,335 Land $801,946 Building $892,389
2022	$18,838.00

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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