645 Sweet Pea Pl, Encinitas, CA 92024 Property Records

San Diego County property record for 645 Sweet Pea Pl, Encinitas, CA 92024

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 1,268 sqft · built 2000
Lot Size	0.874 acres (38,055 sqft)
Owner	2 Trust Names on File
Last Sale	$1,097,500 (Oct 2022)
Tax Bill	$14,106 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Oct 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`256-330-58-06`

Property Details

APN / Parcel Number

Primary APN	`256-330-58-06`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,268 sqft Living Area

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Condo/Apartment
Lot Area	38,055 sqft (0.874 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	645 SWEET PEA PL
City	ENCINITAS
State	CA
Zip	92024-7715
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	ER-MU2
Legal Description	LOT 5 US 72PER DOC98-109286&UND INT IN MODULE B IN TR 013481
Legal Subdivision	ENCINITAS ESTATES
Legal Tract	013481
Legal Block	2
Legal Lot Number	5
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2004
Census Tract	17603

Owner

645 Sweet Pea Pl, a condominium, is held in a trust since October 2024.

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

Owner of Record	2 Trust Names on File
Mailing Address	1051 IIWI ST, HONOLULU, HI 96816-5110
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Jul 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Oct 12, 2022	Grant Deed, Transfer · Conventional Mortgage SAN DIEGO FUNDING
Apr 19, 2022	Grant Deed, Transfer PACIFIC COAST TITLE COMPANY
Apr 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 12, 2022 · Amount on File
Deed Sale	Oct 12, 2022 · Amount on File
Prior Sale	Apr 19, 2022 · Amount on File
Deed Document Number	2022397330
Last Transfer Date	Oct 2, 2024
Transfer Doc	0000293821
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	645 SWEET PEA PL, ENCINITAS, CA 92024-7715
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 SWEET PEA PL, ENCINITAS, CA 92024-7715

Mortgage

Document Number	0000538767
Date	Jul 29, 2021
Instrument	2021-0538767

Lender

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

Agreement

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

October 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 12, 2022
Property Address	645 SWEET PEA PL, ENCINITAS, CA 92024-7715
Document Number	0000397330
Map Reference	MAP 13481
Instrument Date	Sep 29, 2022
Instrument	2022-0397330
Transaction Type	Transfer
Record Updated	Oct 20, 2022
Title Company	VANTAGE PROPERTY TITLE COMPANY, VANTAGE POINT TITLE CO OF CA

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1051 LUAWAI ST, HONOLULU, HI 96816-4658

Mortgage

Document Number	0000397331
Date	Oct 12, 2022
Instrument	2022-0397331

Lender

Name	SAN DIEGO FUNDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

April 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 19, 2022
Property Address	645 SWEET PEA PL, ENCINITAS, CA 92024-7715
Document Number	0000171594
Instrument Date	Apr 7, 2022
Instrument	2022-0171594
Transaction Type	Transfer
Record Updated	Apr 27, 2022
Title Company	PACIFIC COAST TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14511 MYFORD RD STE 100, 100, TUSTIN, CA 92780-7057
Investor	Possibly a Property Investor

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	645 SWEET PEA PL, ENCINITAS, CA 92024-7715
Document Number	0000181421
Instrument Date	Apr 3, 2020
Transaction Type	Mortgage
Record Updated	Apr 24, 2020
Title Company	CHICAGO TITLE-INLAND EMPIRE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 SWEET PEA PL ENCINITAS CA 920247715, ENCINITAS, CA 92024-7715

Mortgage

Document Number	0000181421
Date	Apr 9, 2020
Instrument	181421

Lender

Name	FLAGSTAR BK
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 8, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 645 Sweet Pea Pl was $14,106.

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		$1,179,267 (+3.31%) Land $926,729 Building $252,538
2025	$14,106.00	$1,141,526 Land $894,744 Building $246,782
2023	$12,805.00 (+55.04%) Homeowner's exemption	$1,097,200 Land $860,000 Building $237,200
2022	$8,259.00

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

Flood

FEMA maps place 645 Sweet Pea Pl 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	3 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 645 Sweet Pea Pl is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 0.01% 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 358 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ting Fiber	2,000 / 2,000
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Spectrum.

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