618 Polaris Dr, Encinitas, CA 92024 Property Records

San Diego County property record for 618 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	0.26 acres (11,327 sqft)
Owner	2 Company Names on Record
Last Sale	$1,483,000 (Jun 2016)
Tax Bill	$20,858 (2025)
Deeds & Mortgages	Mar 2026 Transfer Apr 2020 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`256-440-25-00`

Property Details

APN / Parcel Number

Primary APN	`256-440-25-00`

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	11,327 sqft (0.26 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	618 POLARIS DR
City	ENCINITAS
State	CA
Zip	92024-2482
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LOT 25 TR 015910
Legal Subdivision	CITY/ENCINITAS
Legal Tract	015910
Legal Block	1
Legal Lot Number	25
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 Company Names on Record
Mailing Address	618 POLARIS DR, ENCINITAS, CA 92024-2482
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2026	Intrafamily Transfer, Transfer
Apr 21, 2020	Deed of Trust, Mortgage · Line of Credit FIRST REPUBLIC BANK
Feb 14, 2018	Deed of Trust, Mortgage · Line of Credit SAN DIEGO COUNTY CU
Apr 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST REPUBLIC BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 17, 2016 · Amount on Record
Deed Sale	Jun 17, 2016 · Amount on Record
Deed Document Number	2016299521
Last Transfer Date	Mar 24, 2026
Transfer Doc	0000086619
Record Updated	Sep 20, 2026

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 30, 2026
Property Address	618 POLARIS DR, ENCINITAS, CA 92024-2482
Document Number	0000086619
Map Reference	MAP 15910
Instrument Date	Mar 24, 2026
Instrument	2026-0086619
Transaction Type	Transfer
Record Updated	Apr 7, 2026

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	618 POLARIS DR, ENCINITAS, CA 92024-2482

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	618 POLARIS DR, ENCINITAS, CA 92024-2482
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000203317
Date	Apr 21, 2020
Instrument	2020-0203317

Lender

Name	FIRST REPUBLIC BANK
Type	Bank
Address	SAN FRANCISCO, CA 94111

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Apr 26, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	618 POLARIS DR, ENCINITAS, CA 92024-2482
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000058957
Date	Feb 14, 2018
Instrument	2018-0058957

Lender

Name	SAN DIEGO COUNTY CU
Type	Credit Union
Address	SAN DIEGO, CA 92196

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Mar 6, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	618 POLARIS DR, ENCINITAS, CA 92024-2482
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WESTERN RESOURCES TILTE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000203316
Date	Apr 21, 2020
Instrument	2020-0203316

Lender

Name	FIRST REPUBLIC BANK
Type	Bank
Address	SAN FRANCISCO, CA 94111

Agreement

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

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		$1,839,147 (+2%) Land $885,010 Building $954,137
2025	$20,858.00 (+4.1%) Homeowner's exemption	$1,803,086 (+4.04%) Land $867,657 Building $935,429
2024	$20,036.00 (+2.79%)
2023	$19,493.00 (+1.6%) Homeowner's exemption	$1,733,072 Land $833,966 Building $899,106
2022	$19,186.00

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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