San Diego County property record for 637 Neptune Ave, Encinitas, CA 92024 · Last verified August 2026
| Property Type | Duplex |
|---|---|
| Details | 3 bd · 2.5 ba · 2,067 sqft · built 1984 |
| Lot Size | 0.132 acres (5,741 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $1,600,000 (Jul 2020) |
| Tax Bill | $19,287 (2025) |
| Deeds & Mortgages | Sep 2023 Transfer Dec 2018 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 256-081-39-01 |
| Primary APN | 256-081-39-01 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 2,067 sqft Living Area |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Duplex Single |
| Lot Area | 5,741 sqft (0.132 acres) |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 637 NEPTUNE AVE |
|---|---|
| City | ENCINITAS |
| State | CA |
| Zip | 92024-2022 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Description | BLK B US 1 PER DOC01-005743&UND INT IN LOT 13 TR 001935 |
| Legal Subdivision | SOUTH COAST PARK |
| Legal Tract | 001935 |
| Legal Block | B |
| Legal Lot Number | 13 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | SAN DIEGO |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 17702 |
Source: San Diego County records · APN 256-081-39-01
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 Company Names on File |
|---|---|
| Mailing Address | 637 NEPTUNE AVE, ENCINITAS, CA 92024-2022 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Sep 15, 2023 | Intrafamily Transfer, Transfer |
| Dec 27, 2018 | Deed of Trust, Mortgage · ARM FINANCE OF AMERICA MORTGAGE LLC |
| Jul 13, 2020 | Grant Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE CO |
| Dec 14, 2017 | Grant Deed, Transfer NEWFI LNDG |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 13, 2020 · Amount on Record |
| Deed Sale | Jul 13, 2020 · Amount on Record |
| Deed Document Number | 2020373146 |
| Last Transfer Date | Sep 12, 2023 |
| Transfer Doc | 0000252057 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Sep 15, 2023 |
| Property Address | 637 NEPTUNE AVE, ENCINITAS, CA 92024-2022 |
| Document Number | 0000252057 |
| Map Reference | MAP 1935 |
| Instrument Date | Sep 12, 2023 |
| Instrument | 2023-0252057 |
| Transaction Type | Transfer |
| Record Updated | Sep 26, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 637 NEPTUNE AVE, ENCINITAS, CA 92024-2022 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 637 NEPTUNE AVE, ENCINITAS, CA 92024-2022 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | LAWYERS TITLE |
| Name | Verified Name |
|---|---|
| Address | 637 NEPTUNE AVE, ENCINITAS, CA 92024-2022 |
| Document Number | 0000530409 |
|---|---|
| Date | Dec 27, 2018 |
| Instrument | 2018-0530409 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | ROSEVILLE, CA 95661 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.25% |
| Type Change Date | Jul 01, 2024 |
| Change Frequency | Annually |
| Min Rate At Change | 3.25% |
| Max Rate At Change | 7.25% |
| Index | 1-Year LIBOR |
| Margin | 3 |
| Max Rate | 11.2% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Jul 13, 2020 |
| Property Address | 637 NEPTUNE AVE, ENCINITAS, CA 92024-2022 |
| Document Number | 0000373146 |
| Instrument Date | Jun 24, 2020 |
| Instrument | 373146 |
| Transaction Type | Transfer |
| Record Updated | Jul 23, 2020 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,760.00 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 11 RIVERSIDE DR #7PE NEW YORK NY 100231333, 7PE, NEW YORK, NY 10023-1333 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Dec 14, 2017 |
| Property Address | 637 NEPTUNE AVE, ENCINITAS, CA 92024-2022 |
| Document Number | 0000585841 |
| Instrument Date | Aug 19, 2016 |
| Instrument | 585841 |
| Transaction Type | Transfer |
| Record Updated | Jan 03, 2018 |
| Title Company | FIDELITY NATIONAL TITLE SAN DIEGO |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 637 NEPTUNE AVE ENCINITAS CA 920242022, ENCINITAS, CA 92024-2022 |
| Document Number | 585842 |
|---|---|
| Date | Dec 14, 2017 |
| Instrument | 585842 |
| Name | NEWFI LNDG |
|---|---|
| Address | EMERYVILLE, CA 94608 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Dec 13, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.75% |
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 | $1,766,527 (+2%) Land $1,435,304 Building $331,223 | |
| 2025 | $19,287.00 (+6.61%) | $1,731,890 (+4.04%) Land $1,407,161 Building $324,729 |
| 2023 | $18,091.00 (+2.2%) | $1,664,640 Land $1,352,520 Building $312,120 |
| 2022 | $17,701.00 |
Source: FEMA National Flood Hazard Layer, San Diego County (06073C), updated September 3, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060730177022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone VE, within 500 ft |
| Flood Insurance Cost | Premium on Record median of 6 individual NFIP policies nearby |
| Nearby Flood Policies | 6 in force 2 of 6 on primary residences |
| Nearby Flood Claims | 6 (1993–2024) |
| Claims Outside the SFHA | 6 of 6 |
| Most Recent Claim | Jan 2024, rainfall accumulation, Severe Storm And Flooding |
| Flood Events |
|
| 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.
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