654 Westlake St, Encinitas, CA 92024 Property Records

San Diego County property record for 654 Westlake St, Encinitas, CA 92024

Property Summary

Property Type	Condominium
Details	2 bd · 2.5 ba · 1,379 sqft · built 1989
Lot Size	0.708 acres (30,821 sqft)
Owner	Company Name on Record
Last Sale	$405,000 (Sep 2007)
Tax Bill	$5,287 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Aug 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`258-121-10-03`

Property Details

APN / Parcel Number

Primary APN	`258-121-10-03`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,379 sqft Living Area

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Condo/Apartment
Lot Area	30,821 sqft (0.708 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	654 WESTLAKE ST
City	ENCINITAS
State	CA
Zip	92024-3776
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	R11
Legal Description	LOT 1 US 3A PER DOC88-534282&UND INT IN TR 012226
Legal Subdivision	ENCINITAS ESTATES
Legal Tract	012226
Legal Block	1
Legal Lot Number	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1004
Census Tract	17502

Owner

Source: San Diego County records, as of July 28, 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 Record
Mailing Address	654 WESTLAKE ST, ENCINITAS, CA 92024-3776
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Nov 5, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 31, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 11, 2007 · Amount on Record
Deed Sale	Sep 11, 2007 · Amount on Record
Prior Sale	Feb 24, 2004 · Amount on Record
Deed Document Number	2007598634
Last Transfer Date	Oct 30, 2020
Transfer Doc	0000691518
Record Updated	Oct 29, 2026

November 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 5, 2020
Property Address	654 WESTLAKE ST, ENCINITAS, CA 92024-3776
Document Number	0000691518
Map Reference	MAP 12226
Instrument Date	Oct 30, 2020
Instrument	2020-0691518
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	LAWYERS TITLE SD

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	654 WESTLAKE ST, ENCINITAS, CA 92024-3776

Mortgage

Document Number	0000691519
Date	Nov 5, 2020
Instrument	2020-0691519

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Dec 1, 2045

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 31, 2017
Property Address	654 WESTLAKE ST, ENCINITAS, CA 92024-3776
Document Number	0000400635
Instrument Date	Aug 11, 2017
Instrument	400635
Transaction Type	Transfer
Record Updated	Sep 5, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	654 WESTLAKE ST ENCINITAS CA 920243776, ENCINITAS, CA 92024-3776

Tax Assessment & Valuation

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		$449,187 (+2%) Land $249,453 Building $199,734
2025	$5,287.00 (+7.59%) Homeowner's exemption	$440,380 (+4.04%) Land $244,562 Building $195,818
2023	$4,914.00 (+2.82%) Homeowner's exemption	$423,281 Land $235,066 Building $188,215
2022	$4,779.00

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

Flood

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	1 in force
Nearby Flood Claims	1 (1999)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 1999 · tidal / storm surge

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

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 360 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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