650 Cole Ranch Rd, Encinitas, CA 92024 Property Records

San Diego County property record for 650 Cole Ranch Rd, Encinitas, CA 92024 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Year Built	Built 1984
Square Footage	2,040 sqft Living Area
Lot Size	27,443 sqft (0.63 acres)
Garage	Carport
Occupancy	Owner Occupied
Last Sale	$90,000 (1983)
Tax Bill	$5,082.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`265-353-11-00`

Interior

Building Area	2,040 sqft Living Area

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Lot Area	27,443 sqft (0.63 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Carport Garage
Carport	Carport

Location & Zoning

Street Address	650 COLE RANCH RD
City	ENCINITAS
State	CA
Zip	92024-6522
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	PAR 2 TR PM07435
Legal Subdivision	COLONY/OLIVENHAIN
Legal Tract	7435
Legal Block	2
Jurisdiction	SAN DIEGO CA
Minor Civil Division	SAN DIEGO
Census Blockgroup	2
Census Block	2014
Census Tract	17111

Owner

Source: San Diego County records · APN 265-353-11-00

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	Company Name on File
Mailing Address	650 COLE RANCH RD, ENCINITAS, CA 92024-6522
Occupancy	Owner Occupied
Owner Type	Owner is a Company
Vesting	Trustor/Debtor (Borrower in Default/Foreclosure On Trustee's Deed)

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 16, 1983 · Amount on Record
Deed Sale	Dec 16, 1983 · Amount on Record
Deed Doc Number	1983458308
Last Transfer Date	Jun 03, 2016
Transfer Doc	0000331037
Record Refreshed	Sep 20, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	650 COLE RANCH RD, ENCINITAS, CA 92024-6522
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000145674
Date	Apr 12, 2018
Instrument	2018-0145674

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	FLINT, MI 48501

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Apr 10, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).

Tax Assessment & Valuation

Source: San Diego County records · Assessment roll updated July 28, 2026 · Last verified August 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

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

Year	Tax Bill	Assessed Value
2026		$399,417 (+2%) Land $196,393 Building $203,024
2025	$5,082.00 (+9.6%) Homeowner's exemption	$391,587 (+4.04%) Land $192,543 Building $199,044
2023	$4,637.00 (-3.54%) Homeowner's exemption	$376,383 Land $185,067 Building $191,316
2022	$4,807.00

Flood & Wildfire

650 Cole Ranch Rd is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.

Flood

Source: FEMA National Flood Hazard Layer · San Diego County (06073C), updated September 3, 2026

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach of burnable land

Values are read at the parcel center point; lenders make the official flood determination.