643 Lynwood Dr, Encinitas, CA 92024 Property Records

San Diego County property record for 643 Lynwood Dr, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 4,226 sqft · built 2003
Lot Size	0.207 acres (9,004 sqft)
Owner	2 Individual Names on File
Last Sale	$1,285,000 (Feb 2016)
Tax Bill	$21,422 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit May 2018 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`254-692-04-00`

Property Details

APN / Parcel Number

Primary APN	`254-692-04-00`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Building Area	4,226 sqft Living Area

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Lot Area	9,004 sqft (0.207 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	643 LYNWOOD DR
City	ENCINITAS
State	CA
Zip	92024-2388
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ER-SFR3V
Legal Description	LOT 70 TR 014280
Legal Subdivision	ENCINITAS ESTATES
Legal Tract	014280
Legal Block	2
Legal Lot Number	70
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2000
Census Tract	17605

Owner

643 Lynwood Dr is owned and occupied by two individuals who bought it in February 2016.

Source: San Diego County records, as of July 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	643 LYNWOOD DR, ENCINITAS, CA 92024-2388
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2023	Deed of Trust, Mortgage · Line of Credit FIRST REPUBLIC BANK
May 8, 2018	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
May 31, 2019	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
May 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Jun 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST REPUBLIC BANK
Jan 16, 2020	Deed of Trust, Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 5, 2016 · Amount on File
Deed Sale	Feb 5, 2016 · Amount on File
Prior Sale	Oct 14, 2003 · Amount on File
Deed Document Number	201653630
Prior Transfer Date	Oct 7, 2003
Prior Transfer Doc	0001263143
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	643 LYNWOOD DR, ENCINITAS, CA 92024-2388
Transaction Type	Mortgage
Record Updated	Jan 16, 2023
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	643 LYNWOOD DR, ENCINITAS, CA 92024-2388

Mortgage

Document Number	0000003470
Date	Jan 5, 2023
Instrument	2023-0003470

Lender

Name	FIRST REPUBLIC BANK
Type	Bank
Address	SAN FRANCISCO, CA 94111

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Dec 26, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	643 LYNWOOD DR, ENCINITAS, CA 92024-2388
Transaction Type	Mortgage
Record Updated	Jul 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000184640
Date	May 8, 2018
Instrument	2018-0184640

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 30, 2048

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	643 LYNWOOD DR, ENCINITAS, CA 92024-2388
Transaction Type	Mortgage
Record Updated	Jul 22, 2022
Title Company	CALIFORNIA TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000209878
Date	May 31, 2019
Instrument	2019-0209878

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Jun 23, 2049

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	643 LYNWOOD DR, ENCINITAS, CA 92024-2388
Transaction Type	Mortgage
Record Updated	Jul 22, 2022
Title Company	FIDELITY NATL TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000243354
Date	May 13, 2020
Instrument	2020-0243354

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.62%
Type Change Date	Jun 1, 2030
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	7.62%
Index	1-Year LIBOR
Max Rate	7.62%

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	643 LYNWOOD DR, ENCINITAS, CA 92024-2388
Transaction Type	Mortgage
Record Updated	Jul 22, 2022
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	643 LYNWOOD DR, ENCINITAS, CA 92024-2388

Mortgage

Document Number	0000440659
Date	Jun 16, 2021
Instrument	2021-0440659

Lender

Name	FIRST REPUBLIC BANK
Type	Bank
Address	SAN FRANCISCO, CA 94111

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	643 LYNWOOD DR, ENCINITAS, CA 92024-2388
Document Number	0000034670
Instrument Date	Jan 16, 2020
Transaction Type	Mortgage
Record Updated	Feb 5, 2020
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NAT'L TITLE SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	643 LYNWOOD DR ENCINITAS CA 920242388, ENCINITAS, CA 92024-2388

Mortgage

Document Number	0000034670
Date	Jan 22, 2020
Instrument	34670

Lender

Name	BANK OF AMERICA
Type	Bank
Address	101 S TRYON ST, CHARLOTTE, NC 28280-0002

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 21, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.25%

Tax Assessment & Valuation

The 2025 property tax bill for 643 Lynwood Dr was $21,422 with a homeowner's exemption.

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		$1,551,597 (+2%) Land $784,854 Building $766,743
2025	$21,422.00 Homeowner's exemption	$1,521,174 Land $769,465 Building $751,709
2023	$20,537.00 (+5.83%) Homeowner's exemption	$1,462,107 Land $739,587 Building $722,520
2022	$19,406.00

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

Flood

FEMA maps place 643 Lynwood Dr in Zone X, an area of minimal flood risk.

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	5 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

Wildfire risk around 643 Lynwood Dr is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond 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 569 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ting Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Cox Communications, GeoLinks, Verizon.

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