615 Neptune Ave, #17, Encinitas, CA 92024 Property Records

San Diego County property record for 615 Neptune Ave, #17, Encinitas, CA 92024

Property Summary

Property Type	Duplex
Details	6 bd · 4 ba · 2,937 sqft · built 1974
Lot Size	0.141 acres (6,163 sqft)
Owner	Company Name on Record
Last Sale	$910,000 (Jul 2002)
Tax Bill	$15,395 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Oct 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`256-081-21-00`

Property Details

APN / Parcel Number

Primary APN	`256-081-21-00`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Units	2 Units
Building Area	2,937 sqft Living Area

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Duplex Single
Lot Area	6,163 sqft (0.141 acres)

Location & Zoning

Street Address	615 NEPTUNE AVE, 17
City	ENCINITAS
State	CA
Zip	92024-2022
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RS11
Legal Description	BLK B LOT 13 POR TR 001935
Legal Subdivision	SOUTH COAST PARK
Legal Tract	001935
Legal Block	B
Legal Lot Number	13
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2003
Census Tract	17702

Owner

Source: San Diego County records, as of July 22, 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	617 NEPTUNE AVE, ENCINITAS, CA 92024-2022
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2026	Deed of Trust, Mortgage · Line of Credit ALLIANT CREDIT UNION
Oct 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC
Dec 26, 2018	Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC
Dec 27, 2019	Deed of Trust, Mortgage · Line of Credit MUFG UNION BANK NA
Sep 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 2, 2002 · Amount on Record
Deed Sale	Jul 2, 2002 · Amount on Record
Prior Sale	Aug 22, 1984 · Amount on Record
Deed Document Number	2002561159
Last Transfer Date	Nov 23, 2005
Transfer Doc	0001053034
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 20, 2026
Property Address	615 NEPTUNE AVE, 17, ENCINITAS, CA 92024-2022
Document Number	0000207023
Instrument Date	Jul 14, 2026
Instrument	2026207023
Transaction Type	Mortgage
Record Updated	Jul 28, 2026
Title Company	TICOR TITLE INSURANCE COMPANY, TICOR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust, 212

Mortgage

Document Number	0000207023,
Date	Jul 20, 2026
Instrument	2026207023

Lender

Name	ALLIANT CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.47%
Max Rate	-1%

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	615 NEPTUNE AVE # 17, 17, ENCINITAS, CA 92024-2022
Transaction Type	Mortgage
Record Updated	Nov 5, 2021
Title Company	TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	617 NEPTUNE AVE, ENCINITAS, CA 92024-2022

Mortgage

Document Number	0000750272
Date	Oct 28, 2021
Instrument	2021-0750272

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

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

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	615 NEPTUNE AVE # 17, 17, ENCINITAS, CA 92024-2022
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	0000528158
Date	Dec 26, 2018
Instrument	2018-0528158

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	615 NEPTUNE AVE # 17, 17, ENCINITAS, CA 92024-2022
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000608230
Date	Dec 27, 2019
Instrument	2019-0608230

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 20, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	615 NEPTUNE AVE # 17, 17, ENCINITAS, CA 92024-2022
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	0000407165
Date	Sep 18, 2019
Instrument	2019-0407165

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

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		$1,344,328 (+2%) Land $605,687 Building $738,641
2025	$15,395.00 (+7.42%) Homeowner's exemption	$1,317,969 (+4.04%) Land $593,811 Building $724,158
2023	$14,331.00 (+2.52%) Homeowner's exemption	$1,266,792 Land $570,753 Building $696,039
2022	$13,979.00

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
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	6 (1993–2024)
Claims Outside the SFHA	6 of 6
Most Recent Claim	Jan 2024 · Severe Storm And Flooding
Claims by Event	Severe Storm And Flooding, Jan 2024 · 2 claims Severe Storms, Flooding, Landslides, And Mud And Debris Flows, Feb 2005 · 2 claims

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 559 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ting Fiber	2,000 / 2,000
Cox Communications Cable	2,000 / 100
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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