620 Rancho Santa Fe Rd, Encinitas, CA 92024 Property Records

San Diego County property record for 620 Rancho Santa Fe Rd, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,236 sqft · built 1974
Lot Size	0.419 acres (18,255 sqft)
Owner	Trust Name on File
Last Sale	$1,357,000 (Dec 2020)
Tax Bill	$17,130 (2025)
Deeds & Mortgages	Jul 2022 Transfer Jan 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`265-355-24-00`

Property Details

APN / Parcel Number

Primary APN	`265-355-24-00`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Building Area	2,236 sqft Living Area

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Lot Area	18,255 sqft (0.419 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	620 RANCHO SANTA FE RD
City	ENCINITAS
State	CA
Zip	92024-6542
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR2
Legal Description	BLK 50 DOC042918REC69 IN TR 000326
Legal Subdivision	OLIVENHAIN COLONY
Legal Tract	000326
Legal Block	50
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1001
Census Tract	17104

Owner

620 Rancho Santa Fe Rd is owner-occupied and held in a trust since July 2022.

Source: San Diego County records, as of July 28, 2026

Owner of Record	Trust Name on File
Mailing Address	620 RANCHO SANTA FE RD, ENCINITAS, CA 92024-6542
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 25, 2022	Intrafamily Transfer, Transfer
Jan 9, 2020	Deed of Trust, Mortgage · Line of Credit US BANK NA
Dec 11, 2020	Grant Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 11, 2020 · Amount on File
Deed Sale	Dec 11, 2020 · Amount on File
Prior Sale	Jul 3, 2007 · Amount on File
Deed Document Number	2020797288
Last Transfer Date	Jul 22, 2022
Transfer Doc	0000303981
Record Updated	Sep 20, 2026

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 25, 2022
Property Address	620 RANCHO SANTA FE RD, ENCINITAS, CA 92024-6542
Document Number	0000303981
Map Reference	MAP 326
Instrument Date	Jul 22, 2022
Instrument	2022-0303981
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	Living Trust
Address	620 RANCHO SANTA FE RD, ENCINITAS, CA 92024-6542

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	620 RANCHO SANTA FE RD, ENCINITAS, CA 92024-6542
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011399
Date	Jan 9, 2020
Instrument	2020-0011399

Lender

Name	US BANK NA
Type	Bank
Address	LA JOLLA, CA 92037

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 11, 2020
Property Address	620 RANCHO SANTA FE RD, ENCINITAS, CA 92024-6542
Document Number	0000797288
Instrument Date	Nov 30, 2020
Instrument	2020-0797288
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	EQUITY TITLE SAN DIEGO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	620 RANCHO SANTA FE RD, ENCINITAS, CA 92024-6542

Mortgage

Document Number	0000797289
Date	Dec 11, 2020
Instrument	2020-0797289

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 620 Rancho Santa Fe Rd was $17,130.

Source: San Diego County assessment roll, as of July 28, 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		$1,498,233 (+2%) Land $1,214,487 Building $283,746
2025	$17,130.00	$1,468,857 Land $1,190,674 Building $278,183
2023	$15,903.00 (+4.04%)	$1,411,822 Land $1,144,440 Building $267,382
2022	$15,286.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 620 Rancho Santa Fe Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2019.

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	2 in force
Nearby Flood Claims	1 (2019)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Nov 2019 · rainfall accumulation

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

Wildfire risk around 620 Rancho Santa Fe Rd is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 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	OLIVENHAIN MWD serves 86,458 people · EPA ID CA3710029
Water Source	Purchased surface water from several systems
Last State Inspection	May 2024
Lead	Under 1 ppb (2023–2025) 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 250 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

May also be available: GeoLinks, San Diego Broadband, Spectrum, T-Mobile, Ting.

Cell Coverage

5G (outdoors only) and 4G LTE

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