633 Cerro St, Encinitas, CA 92024 Property Records

San Diego County property record for 633 Cerro St, Encinitas, CA 92024 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,421 sqft · built 1976
Lot Size	0.237 acres (10,300 sqft)
Owner	Company Name on File
Last Sale	$600,000 (Feb 2005)
Tax Bill	$9,623 (2025)
Deeds & Mortgages	Aug 2019 Line of Credit Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`262-110-59-00`

Property Details

APN / Parcel Number

Primary APN	`262-110-59-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,421 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	10,300 sqft (0.237 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	633 CERRO ST
City	ENCINITAS
State	CA
Zip	92024-4706
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 371 TR 008215
Legal Subdivision	SUMMERFIELD ENCINITAS
Legal Tract	008215
Legal Block	2
Legal Lot Number	371
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2002
Census Tract	17403

Owner

Source: San Diego County records · APN 262-110-59-00

Assessment roll updated July 21, 2026 · Last verified July 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 File
Mailing Address	633 CERRO ST, ENCINITAS, CA 92024-4706
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2019	Deed of Trust, Mortgage · Line of Credit MISSION FCU
Jul 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage MOUNTAIN WEST FINANCIAL INC
Feb 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage EQUITY PRIME MORTGAGE LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 28, 2005 · Amount on Record
Deed Sale	Feb 28, 2005 · Amount on Record
Deed Document Number	2005160449
Last Transfer Date	Mar 20, 2016
Transfer Doc	0000132044
Record Updated	Sep 20, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	633 CERRO ST, ENCINITAS, CA 92024-4706
Transaction Type	Mortgage
Record Updated	Aug 23, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000349468
Date	Aug 19, 2019
Instrument	2019-0349468

Lender

Name	MISSION FCU
Type	Credit Union
Address	SAN DIEGO, CA 92191

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Aug 31, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	633 CERRO ST, ENCINITAS, CA 92024-4706
Transaction Type	Mortgage
Record Updated	Aug 23, 2022
Title Company	WESTERN RESOURCES TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000408849
Date	Jul 27, 2020
Instrument	2020-0408849

Lender

Name	MOUNTAIN WEST FINANCIAL INC
Type	Mortgage Company
Address	REDLANDS, CA 92374

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2050

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	633 CERRO ST, ENCINITAS, CA 92024-4706
Transaction Type	Mortgage
Record Updated	Aug 23, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	633 CERRO ST, ENCINITAS, CA 92024-4706

Mortgage

Document Number	0000112265
Date	Feb 12, 2021
Instrument	2021-0112265

Lender

Name	EQUITY PRIME MORTGAGE LLC
Type	Mortgage Company
Address	ATLANTA, GA 30328

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 01, 2051

Tax Assessment & Valuation

Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value
2026		$853,048 (+2%) Land $696,660 Building $156,388
2025	$9,623.00 (+7.15%) Homeowner's exemption	$836,322 (+4.04%) Land $683,000 Building $153,322
2023	$8,981.00 (+2.42%) Homeowner's exemption	$803,848 Land $656,479 Building $147,369
2022	$8,769.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, San Diego County (06073C), updated September 3, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060730174032, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	2 in force

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 324 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Ting Fiber	Fiber	2,000 / 2,000
Spectrum	Cable	1,000 / 50
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	Fixed Wireless	100 / 20
AT&T	DSL	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: AT&T, Cox Communications, California Internet. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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