San Diego County property record for 657 Sea Ridge Ct, Encinitas, CA 92024
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,558 sqft · built 2020 |
| Owner | Company Name on Record |
| Last Sale | $1,971,500 (Aug 2020) |
| Tax Bill | $23,830 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage Aug 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 258-430-04-00 |
| Primary APN | 258-430-04-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,558 sqft Living Area |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 657 SEA RIDGE CT |
|---|---|
| City | ENCINITAS |
| State | CA |
| Zip | 92024-4556 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | LOT 4 TR 016313 |
| Legal Subdivision | ENCINITAS TM 16-211 |
| Legal Tract | 016313 |
| Legal Block | 1 |
| Legal Lot Number | 4 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | SAN DIEGO |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 17502 |
Source: San Diego County records, as of July 21, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 657 SEA RIDGE CT, ENCINITAS, CA 92024-4556 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Date | Document |
|---|---|
| Jan 25, 2022 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA |
| Aug 21, 2020 | Grant Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 21, 2020 · Amount on Record |
| Deed Sale | Aug 21, 2020 · Amount on Record |
| Deed Document Number | 2020475627 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 657 SEA RIDGE CT, ENCINITAS, CA 92024-4556 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2022 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 657 SEA RIDGE CT, ENCINITAS, CA 92024-4556 |
| Document Number | 0000035594 |
|---|---|
| Date | Jan 25, 2022 |
| Instrument | 2022-0035594 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Aug 21, 2020 |
| Property Address | 657 SEA RIDGE CT, ENCINITAS, CA 92024-4556 |
| Document Number | 0000475627 |
| Map Reference | MAP 16313 |
| Instrument Date | Aug 11, 2020 |
| Instrument | 2020-0475627 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 657 SEA RIDGE CT, ENCINITAS, CA 92024-4556 |
| Document Number | 0000475628 |
|---|---|
| Date | Aug 21, 2020 |
| Instrument | 2020-0475628 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.25% |
| Type Change Date | Sep 1, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.25% |
| Index | 1-Year LIBOR |
| Max Rate | 8.25% |
Source: San Diego County assessment roll, as of July 21, 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 | $2,176,673 (+2%) Land $1,324,895 Building $851,778 | |
| 2025 | $23,830.00 (+7.08%) Homeowner's exemption | $2,133,994 (+4.04%) Land $1,298,917 Building $835,077 |
| 2023 | $22,255.00 (+1.84%) Homeowner's exemption | $2,051,130 Land $1,248,480 Building $802,650 |
| 2022 | $21,853.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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.
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 256 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: GeoLinks, Spectrum.
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