631 Stratford Dr, Encinitas, CA 92024 Property Records

San Diego County property record for 631 Stratford Dr, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,654 sqft · built 2021
Lot Size	0.234 acres (10,200 sqft)
Owner	Company Name on Record
Last Sale	$1,308,000 (Sep 2017)
Tax Bill	$23,464 (2025)
Deeds & Mortgages	Feb 2022 Mortgage May 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`258-104-27-00`

Property Details

APN / Parcel Number

Primary APN	`258-104-27-00`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Building Area	3,654 sqft Living Area

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Lot Area	10,200 sqft (0.234 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	631 STRATFORD DR
City	ENCINITAS
State	CA
Zip	92024-4546
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Description	BLK C LOT 4 (EX HWY OP) TR 002141
Legal Subdivision	ENCINITAS HIGHLANDS
Legal Tract	002141
Legal Block	C
Legal Lot Number	4
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1000
Census Tract	17501

Owner

Source: San Diego County records, as of July 28, 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	631 STRATFORD DR, ENCINITAS, CA 92024-4546
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2022	Deed of Trust, Mortgage · Conventional Mortgage SILICON VALLEY BANK
May 17, 2019	Deed of Trust, Mortgage · ARM WELLS FARGO BANK NA
Jul 30, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Sep 22, 2017	Deed of Trust, Mortgage · Conventional Mortgage BRIAN MCDONNELL
Sep 18, 2017	Grant Deed, Transfer · ARM PMAC LENDING SERVICES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 18, 2017 · Amount on Record
Deed Sale	Sep 18, 2017 · Amount on Record
Prior Sale	Mar 9, 2016 · Amount on Record
Deed Document Number	2017426713
Last Transfer Date	Jul 18, 2019
Transfer Doc	0000312572
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	631 STRATFORD DR, ENCINITAS, CA 92024-4546
Transaction Type	Mortgage
Record Updated	Feb 9, 2022
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	631 STRATFORD DR, ENCINITAS, CA 92024-4546

Mortgage

Document Number	0000048803
Date	Feb 2, 2022
Instrument	2022-0048803

Lender

Name	SILICON VALLEY BANK
Type	Bank
Address	SANTA CLARA, CA 95054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.37%
Type Change Date	Feb 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.37%
Max Rate At Change	3.37%
Index	Other
Max Rate	7.35%

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	631 STRATFORD DR, ENCINITAS, CA 92024-4546
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000186762
Date	May 17, 2019
Instrument	2019-0186762

Lender

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

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Jun 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	4.87%
Index	1-Year LIBOR
Max Rate	7.87%

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 30, 2019
Property Address	631 STRATFORD DR, ENCINITAS, CA 92024-4546
Document Number	0000312572
Instrument Date	Jul 18, 2019
Instrument	312572
Transaction Type	Transfer
Record Updated	Aug 7, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	631 STRATFORD DR ENCINITAS CA 920244546, ENCINITAS, CA 92024-4546

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	631 STRATFORD DR, ENCINITAS, CA 92024-4546
Document Number	0000438969
Instrument Date	Sep 22, 2017
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	631 STRATFORD DR ENCINITAS CA 920244546, ENCINITAS, CA 92024-4546

Mortgage

Document Number	0000438969
Date	Sep 25, 2017
Instrument	438969

Lender

Name	BRIAN MCDONNELL
Address	326 ENCINITAS BLVD # 200, ENCINITAS, CA 92024-8703

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 18, 2017
Property Address	631 STRATFORD DR, ENCINITAS, CA 92024-4546
Document Number	0000426713
Map Reference	MAP2141
Instrument Date	Aug 8, 2017
Instrument	2017-0426713
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	STEWART TITLE OF CALIFORNIA

Transaction

Amount	Amount Recorded
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 with Right of Survivorship
Address	631 STRATFORD DR, ENCINITAS, CA 92024-4546

Mortgage

Document Number	0000426714
Date	Sep 18, 2017
Instrument	2017-0426714

Lender

Name	PMAC LENDING SERVICES INC
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Type Change Date	Oct 1, 2024
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	7.12%
Index	1-Year LIBOR
Max Rate	11.1%

Tax Assessment & Valuation

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		$2,105,247 (+2%) Land $1,276,642 Building $828,605
2025	$23,464.00 (+10.08%) Homeowner's exemption	$2,063,968 (+4.04%) Land $1,251,610 Building $812,358
2023	$21,315.00 (+3.3%) Homeowner's exemption	$1,983,823 Land $1,203,009 Building $780,814
2022	$20,634.00

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	2 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	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 360 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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