San Diego County property record for 625 Lomas de Oro Ct, Encinitas, CA 92024
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,198 sqft · built 1980 |
| Lot Size | 0.93 acres (40,511 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $3,225,000 (Nov 2025) |
| Tax Bill | $22,474 (2025) |
| Deeds & Mortgages | Mar 2025 Line of Credit Nov 2025 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 265-355-42-00 |
| Primary APN | 265-355-42-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 3,198 sqft Living Area |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Lot Area | 40,511 sqft (0.93 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 3 Parking Spaces |
| Street Address | 625 LOMAS DE ORO CT |
|---|---|
| City | ENCINITAS |
| State | CA |
| Zip | 92024-6528 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR2 |
| Legal Description | PAR 4 ST CLSD& TR PM05639 |
| Legal Subdivision | CITY/ENCINITAS |
| Legal Tract | 5639 |
| Legal Block | 1 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | SAN DIEGO |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 17104 |
Source: San Diego County records · APN 265-355-42-00
Assessment roll updated July 28, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 625 LOMAS DE ORO CT, ENCINITAS, CA 92024-6528 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
| Date | Document |
|---|---|
| Mar 06, 2025 | Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO |
| Nov 17, 2025 | Grant Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Apr 19, 2023 | Intrafamily Transfer, Transfer |
| Nov 25, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BBVA USA |
| Jan 17, 2018 | Intrafamily Transfer, Transfer · ARM COMPASS BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 17, 2025 · Amount on Record |
| Deed Sale | Nov 17, 2025 · Amount on Record |
| Prior Sale | Apr 09, 2015 · Amount on Record |
| Deed Document Number | 2025323641 |
| Prior Transfer Date | Dec 26, 2022 |
| Prior Transfer Doc | 0000101598 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 625 LOMAS DE ORO CT, ENCINITAS, CA 92024-6528 |
| Transaction Type | Mortgage |
| Record Updated | Apr 02, 2026 |
| Name | Verified Name |
|---|---|
| Address | 625 LOMAS DE ORO CT, ENCINITAS, CA 92024-6528 |
| Document Number | 0000057257 |
|---|---|
| Date | Mar 06, 2025 |
| Instrument | 2025-0057257 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Nov 17, 2025 |
| Property Address | 625 LOMAS DE ORO CT, ENCINITAS, CA 92024-6528 |
| Document Number | 0000323641 |
| Map Reference | MAP 5639 |
| Instrument Date | Oct 31, 2025 |
| Instrument | 2025-0323641 |
| Transaction Type | Transfer |
| Record Updated | Apr 02, 2026 |
| Title Company | FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 625 LOMAS DE ORO CT, ENCINITAS, CA 92024-6528 |
| Document Number | 0000323642 |
|---|---|
| Date | Nov 17, 2025 |
| Instrument | 2025-0323642 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2055 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Apr 19, 2023 |
| Property Address | 625 LOMAS DE ORO CT, ENCINITAS, CA 92024-6528 |
| Document Number | 0000101598 |
| Instrument Date | Dec 26, 2022 |
| Instrument | 2023-0101598 |
| Transaction Type | Transfer |
| Record Updated | Jun 07, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 625 LOMAS DE ORO CT, ENCINITAS, CA 92024-6528 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 625 LOMAS DE ORO CT, ENCINITAS, CA 92024-6528 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | TICOR TITLE NATL COM SVCS |
| Name | Verified Name |
|---|---|
| Address | 625 LOMAS DE ORO CT, ENCINITAS, CA 92024-6528 |
| Document Number | 0000751037 |
|---|---|
| Date | Nov 25, 2020 |
| Instrument | 2020-0751037 |
| Name | BBVA USA |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35233 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2050 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Jan 17, 2018 |
| Property Address | 625 LOMAS DE ORO CT, ENCINITAS, CA 92024-6528 |
| Document Number | 0000017344 |
| Instrument Date | Jan 09, 2018 |
| Instrument | 2018-0017344 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Title Company | LAWYERS TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Address | 625 LOMAS DE ORO CT, ENCINITAS, CA 92024-6528 |
| Document Number | 0000017345 |
|---|---|
| Date | Jan 17, 2018 |
| Instrument | 2018-0017345 |
| Name | COMPASS BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.25% |
| Type Change Date | Feb 01, 2023 |
| Change Frequency | Annually |
| Min Rate At Change | 2% |
| Max Rate At Change | 5.25% |
| Index | 1-Year LIBOR |
| Margin | 2 |
| Max Rate | 8.25% |
Source: San Diego County records · Assessment roll updated July 28, 2026 · Last verified August 2026
| 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) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $3,225,000 (+71.45%) Land $2,575,000 Building $650,000 | |
| 2025 | $22,474.00 (+8.22%) Homeowner's exemption | $1,880,998 (+4.04%) Land $1,201,846 Building $679,152 |
| 2023 | $20,767.00 (+1.86%) Homeowner's exemption | $1,807,959 Land $1,155,178 Building $652,781 |
| 2022 | $20,388.00 |
Source: FEMA National Flood Hazard Layer, San Diego County (06073C), as of September 3, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060730171041, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 |
| Wildfire Risk | Low lower than 98% of the US · lower than 98.4% of California |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 50 |
| Starlink Satellite | 280 / 30 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
May also be available: California Internet, Cox Communications, San Diego Broadband, T-Mobile USA, Ting Fiber, Verizon.
Based on FCC filings for 503 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System, water system CA3710029, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | OLIVENHAIN MWD serves 86,458 people |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | May 2024 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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