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635 Cole Ranch Rd, Encinitas, CA 92024 Property Records

San Diego County property record for 635 Cole Ranch Rd, Encinitas, CA 92024 · Last verified July 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms3.5 Baths
Year BuiltBuilt 1996
Square Footage3,238 sqft Living Area
Lot Size25,265 sqft (0.58 acres)
OccupancyOwner Occupied
Last Sale$399,000 (1999)
Tax Bill$11,533.00 (2025)

Property Details

APN / Parcel Number

Primary APN264-172-14-00

Interior

Bedrooms4 Beds
Full Baths3.5 Baths
Partial Baths1 Partial Baths
Building Area3,238 sqft Living Area

Exterior

Year BuiltBuilt 1996
Effective Year BuiltEffective 1996
Lot Area25,265 sqft (0.58 acres)
Parking Spaces2 Parking Spaces
Garage TypeCarport Garage
CarportCarport

Location & Zoning

Street Address635 COLE RANCH RD
CityENCINITAS
StateCA
Zip92024-6523
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionPAR 1 ST CLSD& TR PM01231
Legal SubdivisionCOLONY OF OLIVENHAIN
Legal Tract1231
Legal Block2
JurisdictionSAN DIEGO CA
Minor Civil DivisionSAN DIEGO
Census Blockgroup2
Census Block2013
Census Tract17111

Owner

Source: San Diego County records · APN 264-172-14-00

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 RecordCompany Name on File
Mailing Address635 COLE RANCH RD, ENCINITAS, CA 92024-6523
OccupancyOwner Occupied
Owner TypeOwner is a Company
VestingTrustor/Debtor (Borrower in Default/Foreclosure On Trustee's Deed)

Deeds, Mortgages & Sale History

DateDocument
Oct 12, 2023Deed of Trust, Mortgage · Line of Credit
MISSION FCU
Nov 16, 2022Intrafamily Transfer, Transfer
Nov 12, 2019Deed of Trust, Mortgage · Line of Credit
MISSION FCU
May 29, 2020Deed of Trust, Mortgage · Conventional Mortgage
MISSION FCU

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleDec 07, 1999 · Amount on Record
Deed SaleDec 07, 1999 · Amount on Record
Deed Doc Number1999796852
Last Transfer DateNov 15, 2022
Transfer Doc0000438345
Record RefreshedSep 20, 2026

October 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address635 COLE RANCH RD, ENCINITAS, CA 92024-6523
Transaction TypeMortgage
Record UpdatedOct 23, 2023
Title CompanyACCOMODATION, ACCOMMODATION

Transferred To (Grantee/Buyer)

NameVerified Name
Address635 COLE RANCH RD, ENCINITAS, CA 92024-6523

Mortgage

Document Number0000277548
DateOct 12, 2023
Instrument2023-0277548
Lender
NameMISSION FCU
TypeCredit Union
AddressSAN DIEGO, CA 92121
Agreement
TypeLine of Credit
AmountAmount Recorded
Term301 Months
DueOct 31, 2048
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).

November 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSAN DIEGO CA
Recording DateNov 16, 2022
Property Address635 COLE RANCH RD, ENCINITAS, CA 92024-6523
Document Number0000438345
Instrument DateNov 15, 2022
Instrument2022-0438345
Transaction TypeTransfer
Record UpdatedJun 07, 2023

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipFamily Trust
Address635 COLE RANCH RD, ENCINITAS, CA 92024-6523

November 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address635 COLE RANCH RD, ENCINITAS, CA 92024-6523
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyFIDELITY NATL TTL SAN DIEGO

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000518170
DateNov 12, 2019
Instrument2019-0518170
Lender
NameMISSION FCU
TypeCredit Union
AddressSAN DIEGO, CA 92191
Agreement
TypeLine of Credit
AmountAmount Recorded
Term301 Months
DueNov 30, 2044
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).

May 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address635 COLE RANCH RD, ENCINITAS, CA 92024-6523
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyFIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000275378
DateMay 29, 2020
Instrument2020-0275378
Lender
NameMISSION FCU
TypeCredit Union
AddressSAN DIEGO, CA 92191
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJun 01, 2050
Interest
Rate TypeAdjustable Rate
Rate2.87%
Type Change DateJun 01, 2027
Change Frequency6 Months
Min Rate At Change2%
Max Rate At Change7.87%
Index1-Year LIBOR
Margin2
Max Rate7.87%

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateCalifornia
CountySan Diego County
MunicipalityEncinitas City
Elementary School DistrictEncinitas Union Elementary School District (KG - 06)
Secondary School DistrictSan 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.

YearTax BillAssessed Value
2026$941,646 (+2%) Land $344,886 Building $596,760
2025$11,533.00 (+7.86%) Homeowner's exemption$923,183 (+4.04%) Land $338,124 Building $585,059
2023$10,693.00 (+1.91%) Homeowner's exemption$887,338 Land $324,996 Building $562,342
2022$10,493.00

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