654 Cypress Hills Dr, Encinitas, CA 92024 Property Records

San Diego County property record for 654 Cypress Hills Dr, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 4,543 sqft · built 2003
Lot Size	0.179 acres (7,803 sqft)
Owner	2 Individual Names on File
Last Sale	$2,950,000 (Jun 2024)
Tax Bill	$36,900 (2025)
Deeds & Mortgages	Jan 2026 Transfer Jan 2024 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`254-721-07-00`

Property Details

APN / Parcel Number

Primary APN	`254-721-07-00`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	4,543 sqft Living Area

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Lot Area	7,803 sqft (0.179 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	654 CYPRESS HILLS DR
City	ENCINITAS
State	CA
Zip	92024-2394
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ER-SFR3V
Legal Description	LOT 43 TR 014344
Legal Subdivision	ENCINITAS ESTATES
Legal Tract	014344
Legal Block	2
Legal Lot Number	43
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2004
Census Tract	17605

Owner

654 Cypress Hills Dr is owned and occupied by two individuals who bought it in June 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	654 CYPRESS HILLS DR, ENCINITAS, CA 92024-2394
Occupancy	Owner Occupied
Owner Type	Individual

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 28, 2026	Transfer on Death Deed, Transfer
Jan 29, 2024	Deed of Trust, Mortgage · Line of Credit MISSION FCU
Dec 5, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Apr 15, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2024 · Amount on File
Deed Sale	Jun 26, 2024 · Amount on File
Prior Sale	Oct 20, 2008 · Amount on File
Deed Document Number	2024161721
Prior Transfer Date	Dec 5, 2019
Prior Transfer Doc	0000567052
Record Updated	Oct 29, 2026

January 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 28, 2026
Property Address	654 CYPRESS HILLS DR, ENCINITAS, CA 92024-2394
Document Number	0000024257
Map Reference	MAP 14344
Instrument Date	Dec 27, 2025
Instrument	2026-0024257
Transaction Type	Transfer
Record Updated	Feb 5, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	654 CYPRESS HILLS DR, ENCINITAS, CA 92024-2394

Transferred To (Grantee/Buyer)

Name	Verified Name

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	654 CYPRESS HILLS DR, ENCINITAS, CA 92024-2394
Transaction Type	Mortgage
Record Updated	Feb 6, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	654 CYPRESS HILLS DR, ENCINITAS, CA 92024-2394

Mortgage

Document Number	0000022918
Date	Jan 29, 2024
Instrument	2024-0022918

Lender

Name	MISSION FCU
Type	Credit Union
Address	SAN DIEGO, CA 92191

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Jan 31, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 5, 2019
Property Address	654 CYPRESS HILLS DR, ENCINITAS, CA 92024-2394
Document Number	0000567052
Instrument Date	Dec 5, 2019
Instrument	567052
Transaction Type	Transfer
Record Updated	Dec 13, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	654 CYPRESS HILLS DR ENCINITAS CA 920242394, ENCINITAS, CA 92024-2394

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 15, 2019
Property Address	654 CYPRESS HILLS DR, ENCINITAS, CA 92024-2394
Document Number	0000134596
Instrument Date	Feb 27, 2019
Instrument	134596
Transaction Type	Transfer
Record Updated	Apr 22, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	654 CYPRESS HILLS DR ENCINITAS CA 920242394, ENCINITAS, CA 92024-2394

Tax Assessment & Valuation

The 2025 property tax bill for 654 Cypress Hills Dr was $36,900.

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		$3,069,180 (+2%) Land $2,080,800 Building $988,380
2025	$36,900.00 Homeowner's exemption	$3,009,000 Land $2,040,000 Building $969,000
2023	$18,623.00 (+5.56%) Homeowner's exemption	$1,299,618 Land $396,072 Building $903,546
2022	$17,642.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 654 Cypress Hills 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

The area around 654 Cypress Hills Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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.

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 253 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Spectrum Cable	1,000 / 50
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: Ting.

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