656 Neptune Ave, Encinitas, CA 92024 Property Records

San Diego County property record for 656 Neptune Ave, Encinitas, CA 92024 · Last verified July 2026

Property Summary

Property Type	Duplex
Details	3 bd · 3 ba · 1,865 sqft · built 1990
Lot Size	0.206 acres (8,952 sqft)
Owner	Company Name on File
Last Sale	$1,900,000 (Apr 2010)
Tax Bill	$27,028 (2025)
Deeds & Mortgages	Sep 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`256-051-20-01`

Property Details

APN / Parcel Number

Primary APN	`256-051-20-01`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	1,865 sqft Living Area

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Duplex Single
Lot Area	8,952 sqft (0.206 acres)
View / Lot	Ocean
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	656 NEPTUNE AVE
City	ENCINITAS
State	CA
Zip	92024-2021
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	PAR 1 US A PER DOC89-277659&UND INT IN TR PM15679
Legal Subdivision	NEPTUNE VILLAGE II
Legal Tract	15679
Legal Block	2
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2001
Census Tract	17702

Owner

Source: San Diego County records · APN 256-051-20-01

Assessment roll updated July 21, 2026 · Last verified July 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	PO BOX 7305, RANCHO SANTA FE, CA 92067-7305
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 14, 2010 · Amount on Record
Deed Sale	Apr 14, 2010 · Amount on Record
Prior Sale	Nov 14, 2003 · Amount on Record
Deed Document Number	2010183971
Last Transfer Date	Dec 24, 2013
Transfer Doc	0000744052
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	656 NEPTUNE AVE, ENCINITAS, CA 92024-2021
Transaction Type	Mortgage
Record Updated	Oct 09, 2025
Title Company	TICOR TITLE ORANGE COUNTY BR, TICOR TTL ORANGE CNTY BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 7305, RANCHO SANTA FE, CA 92067-7305

Mortgage

Document Number	0000654671
Date	Sep 16, 2021
Instrument	2021-0654671

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 01, 2036

Tax Assessment & Valuation

Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 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		$2,501,557 (+2%) Land $2,211,908 Building $289,649
2025	$27,028.00 (+6.46%)	$2,452,508 (+4.04%) Land $2,168,538 Building $283,970
2023	$25,387.00 (+2.15%)	$2,357,276 Land $2,084,332 Building $272,944
2022	$24,853.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, San Diego County (06073C), updated September 3, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone VE, within 100 ft

Wildfire

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; lenders make the official flood determination.