San Diego County property record for 638 Neptune Ave, Encinitas, CA 92024
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,236 sqft · built 1980 |
| Lot Size | 0.218 acres (9,488 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $510,000 (Jun 1985) |
| Tax Bill | $11,800 (2025) |
| Deeds & Mortgages | Jul 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 256-051-10-00 |
| Primary APN | 256-051-10-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,236 sqft Living Area |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Lot Area | 9,488 sqft (0.218 acres) |
| View / Lot | Ocean |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 3 Parking Spaces |
| Street Address | 638 NEPTUNE AVE |
|---|---|
| City | ENCINITAS |
| State | CA |
| Zip | 92024-2021 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R8 |
| Legal Description | BLK E LOT 14 POR IN BLK F&ALL OF TR 001935 |
| Legal Subdivision | SOUTH COAST PARK |
| Legal Tract | 001935 |
| Legal Block | E,F |
| Legal Lot Number | 14 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | SAN DIEGO |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 17702 |
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 | 2 Company Names on Record |
|---|---|
| Mailing Address | 16167 WHITTIER BLVD, WHITTIER, CA 90603-2560 |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 14, 1985 · Amount on Record |
| Deed Sale | Jun 14, 1985 · Amount on Record |
| Deed Document Number | 1985212923 |
| Last Transfer Date | May 29, 2009 |
| Transfer Doc | 0000362915 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 638 NEPTUNE AVE, ENCINITAS, CA 92024-2021 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIDELITY TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000303467 |
|---|---|
| Date | Jul 6, 2017 |
| Instrument | 2017-0303467 |
| Name | PACIFIC MERCANTILE BANK |
|---|---|
| Type | Bank |
| Address | LA HABRA, CA 90631 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: San Diego County assessment roll, as of July 28, 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) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $1,056,640 (+2%) Land $621,561 Building $435,079 | |
| 2025 | $11,800.00 (+6.95%) | $1,035,923 (+4.04%) Land $609,374 Building $426,549 |
| 2023 | $11,033.00 (+2.34%) | $995,699 Land $585,712 Building $409,987 |
| 2022 | $10,781.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone VE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 6 (1993–2024) |
| Claims Outside the SFHA | 6 of 6 |
| Most Recent Claim | Jan 2024 · Severe Storm And Flooding |
| Claims by Event |
|
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: 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 559 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Ting Fiber | 2,000 / 2,000 |
| Cox Communications Cable | 2,000 / 100 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
May also be available: Verizon.
5G (outdoors only) and 4G LTE
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