San Diego County property record for 656 Cypress Hills Dr, Encinitas, CA 92024
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 4.5 ba · 4,294 sqft · built 2003 |
| Lot Size | 0.25 acres (10,871 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,430,000 (Aug 2017) |
| Tax Bill | $22,460 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage Aug 2017 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 254-721-08-00 |
| Primary APN | 254-721-08-00 |
|---|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 4,294 sqft Living Area |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Lot Area | 10,871 sqft (0.25 acres) |
| Parking Spaces | 3 Parking Spaces |
| Street Address | 656 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 44 TR 014344 |
| Legal Subdivision | ENCINITAS ESTATES |
| Legal Tract | 014344 |
| Legal Block | 2 |
| Legal Lot Number | 44 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | SAN DIEGO |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 17605 |
656 Cypress Hills Dr is owned and occupied by two individuals who bought it in August 2017.
Source: San Diego County records, as of July 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 656 CYPRESS HILLS DR, ENCINITAS, CA 92024-2394 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 18, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Aug 16, 2017 | Grant Deed, Transfer FIRST CAP |
| Apr 11, 2017 | Deed of Trust, Mortgage · Conventional Mortgage LYNE A & TERRY W JR LEWIS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 16, 2017 · Amount on File |
| Deed Sale | Aug 16, 2017 · Amount on File |
| Prior Sale | Feb 24, 2003 · Amount on File |
| Deed Document Number | 2017372434 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 656 CYPRESS HILLS DR, ENCINITAS, CA 92024-2394 |
| Transaction Type | Mortgage |
| Record Updated | Aug 27, 2021 |
| Title Company | CHICAGO TITLE COMPANY-SD, CHICAGO TITLE COMPANY SD |
| Name | Verified Name |
|---|---|
| Address | 656 CYPRESS HILLS DR, ENCINITAS, CA 92024-2394 |
| Document Number | 0000589769 |
|---|---|
| Date | Aug 18, 2021 |
| Instrument | 2021-0589769 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | BRECKSVILLE, OH 44141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Sep 1, 2036 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Aug 16, 2017 |
| Property Address | 656 CYPRESS HILLS DR, ENCINITAS, CA 92024-2394 |
| Document Number | 0000372434 |
| Instrument Date | Jul 26, 2017 |
| Instrument | 372434 |
| Transaction Type | Transfer |
| Record Updated | Aug 22, 2017 |
| Title Company | GUARDIAN TITLE COMPANY, GUARDIAN TITLE CO. |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,573.00 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 656 CYPRESS HILLS DR ENCINITAS CA 920242394, ENCINITAS, CA 92024-2394 |
| Document Number | 372435 |
|---|---|
| Date | Aug 16, 2017 |
| Instrument | 372435 |
| Name | FIRST CAP |
|---|---|
| Type | Funding / Finance Company |
| Address | LOS GATOS, CA 95032 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Aug 15, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 656 CYPRESS HILLS DR, ENCINITAS, CA 92024-2394 |
| Document Number | 0000183228 |
| Instrument Date | Apr 11, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 1, 2017 |
| Title Company | GUARDIAN TITLE COMPANY, GUARDIAN TITLE CO. |
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Address | 336 PLAYA DEL NORTE LA JOLLA CA 920375985, LA JOLLA, CA 92037-5985 |
| Document Number | 0000183228 |
|---|---|
| Date | Apr 25, 2017 |
| Instrument | 183228 |
| Name | LYNE A & TERRY W JR LEWIS |
|---|---|
| Address | PO BOX 7080, SAN CARLOS, CA 94070-7080 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 656 Cypress Hills Dr was $22,460.
Source: San Diego County assessment roll, as of July 28, 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) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $1,659,569 (+2%) Land $870,436 Building $789,133 | |
| 2025 | $22,460.00 | $1,627,029 Land $853,369 Building $773,660 |
| 2023 | $21,261.00 (+4.36%) | $1,563,852 Land $820,233 Building $743,619 |
| 2022 | $20,373.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 656 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.
The area around 656 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.
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 |
| 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.
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 |
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