San Diego County property record for 648 Lomas de Oro Ct, Encinitas, CA 92024 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2.5 ba · 3,203 sqft · built 1979 |
| Lot Size | 0.67 acres (29,185 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $150,000 (Apr 1987) |
| Tax Bill | $3,190 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Nov 2021 Transfer + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 265-355-40-00 |
| Primary APN | 265-355-40-00 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 3,203 sqft Living Area |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Lot Area | 29,185 sqft (0.67 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 648 LOMAS DE ORO CT |
|---|---|
| City | ENCINITAS |
| State | CA |
| Zip | 92024-6528 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PAR 2 ST CLSD& TR PM05639 |
| Legal Subdivision | RANCHO LAS ENCINITAS |
| Legal Tract | 5639 |
| Legal Block | 1 |
| Legal Lot Number | 24 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | SAN DIEGO |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 17104 |
Source: San Diego County records · APN 265-355-40-00
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 | 648 LOMAS DE ORO CT, ENCINITAS, CA 92024-6528 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Nov 18, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Nov 18, 2021 | Intrafamily Transfer, Transfer MEMBERS TITLE COMPANY OF CA |
| Jun 08, 2020 | Quit Claim Deed, Transfer QUICKEN LNS |
| Jun 08, 2020 | Quit Claim Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO |
| Jun 08, 2020 | Quit Claim Deed, Transfer FIDELITY NATIONAL TITLE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 01, 1987 · Amount on Record |
| Deed Sale | Apr 01, 1987 · Amount on Record |
| Deed Document Number | 1987174315 |
| Last Transfer Date | Oct 21, 2024 |
| Transfer Doc | 0000286417 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Nov 18, 2021 |
| Property Address | 648 LOMAS DE ORO CT, ENCINITAS, CA 92024-6528 |
| Document Number | 0000796059 |
| Map Reference | FILE 77-079333 |
| Instrument Date | Oct 28, 2021 |
| Instrument | 2021-0796059 |
| Transaction Type | Transfer |
| Record Updated | Nov 30, 2021 |
| Title Company | MEMBERS TITLE COMPANY/CA INC, MEMBERS TITLE COMPANY OF CA |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 648 LOMAS DE ORO CT, ENCINITAS, CA 92024-6528 |
| Document Number | 0000796060 |
|---|---|
| Date | Nov 18, 2021 |
| Instrument | 2021-0796060 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Nov 18, 2021 |
| Property Address | 648 LOMAS DE ORO CT, ENCINITAS, CA 92024-6528 |
| Document Number | 0000796061 |
| Map Reference | MAP 326 |
| Instrument Date | Oct 28, 2021 |
| Instrument | 2021-0796061 |
| Transaction Type | Transfer |
| Record Updated | Jun 07, 2023 |
| Title Company | MEMBERS TITLE COMPANY OF CA |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 851 BURLWAY RD STE 202, 202, BURLINGAME, CA 94010-1709 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Jun 08, 2020 |
| Property Address | 648 LOMAS DE ORO CT, ENCINITAS, CA 92024-6528 |
| Document Number | 0000292541 |
| Instrument Date | Jun 03, 2020 |
| Instrument | 292541 |
| Transaction Type | Transfer |
| Record Updated | Jun 16, 2020 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 648 LOMAS DE ORO CT ENCINITAS CA 920246528, ENCINITAS, CA 92024-6528 |
| Document Number | 292542 |
|---|---|
| Date | Jun 08, 2020 |
| Instrument | 292542 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jun 07, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Jun 08, 2020 |
| Property Address | 648 LOMAS DE ORO CT, ENCINITAS, CA 92024-6528 |
| Document Number | 0000292540 |
| Instrument Date | Jun 03, 2020 |
| Instrument | 292540 |
| Transaction Type | Transfer |
| Record Updated | Jun 16, 2020 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 648 LOMAS DE ORO CT ENCINITAS CA 920246528, ENCINITAS, CA 92024-6528 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Jun 08, 2020 |
| Property Address | 648 LOMAS DE ORO CT, ENCINITAS, CA 92024-6528 |
| Document Number | 0000292543 |
| Instrument Date | Jun 03, 2020 |
| Instrument | 292543 |
| Transaction Type | Transfer |
| Record Updated | Jun 16, 2020 |
| Title Company | FIDELITY NATIONAL TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 648 LOMAS DE ORO CT ENCINITAS CA 920246528, ENCINITAS, CA 92024-6528 |
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 | $298,679 (+2%) Land $99,554 Building $199,125 | |
| 2025 | $3,190.00 (+6.19%) Homeowner's exemption | $292,823 (+4.04%) Land $97,602 Building $195,221 |
| 2023 | $3,004.00 (+2.07%) Homeowner's exemption | $281,455 Land $93,813 Building $187,642 |
| 2022 | $2,943.00 |
Source: FEMA National Flood Hazard Layer, San Diego County (06073C), updated September 3, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060730171041, 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 |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (2019) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Nov 2019, rainfall accumulation |
| 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 503 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Spectrum | Cable | 1,000 / 50 |
| AT&T | DSL | 100 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: Verizon, Ting Fiber, T-Mobile USA, Spectrum, Cox Communications, San Diego Broadband, AT&T, California Internet. Availability varies by address; speeds are provider-advertised maximums, not measured.
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