663 Polaris Dr, Encinitas, CA 92024 Property Records

San Diego County property record for 663 Polaris Dr, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 3,502 sqft · built 2016
Lot Size	0.217 acres (9,450 sqft)
Owner	2 Company Names on File
Last Sale	$3,330,500 (Nov 2024)
Tax Bill	$21,981 (2025)
Deeds & Mortgages	Apr 2019 Line of Credit May 2019 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`256-440-10-00`

Property Details

APN / Parcel Number

Primary APN	`256-440-10-00`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Building Area	3,502 sqft Living Area

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Lot Area	9,450 sqft (0.217 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	663 POLARIS DR
City	ENCINITAS
State	CA
Zip	92024-2483
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LOT 10 TR 015910
Legal Subdivision	CITY/ENCINITAS TENTATIVE MAP 1
Legal Tract	015910
Legal Block	1
Legal Lot Number	10
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1000
Census Tract	17605

Owner

663 Polaris Dr is owned by a company that bought it in November 2024.

Source: San Diego County records, as of July 21, 2026

Owner of Record	2 Company Names on File
Mailing Address	663 POLARIS DR, ENCINITAS, CA 92024-2483
Owner Type	Company
Vesting	Life Tenant

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
Apr 17, 2019	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
May 3, 2019	Deed of Trust, Mortgage · ARM WELLS FARGO BANK NA
Nov 21, 2017	Deed of Trust, Mortgage · Line of Credit MUFG UNION BANK NA
Jan 11, 2019	Deed of Trust, Mortgage · ARM WELLS FARGO BANK NA
Apr 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Jul 28, 2017	Deed of Trust, Mortgage JMAC LENDING
Apr 28, 2017	Grant Deed, Transfer · Conventional Mortgage BRIAN MCDONNELL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 15, 2024 · Amount on File
Deed Sale	Nov 15, 2024 · Amount on File
Prior Sale	Apr 28, 2017 · Amount on File
Deed Document Number	2024317313
Record Updated	Sep 20, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	663 POLARIS DR, ENCINITAS, CA 92024-2483
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	CALIFORNIA TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000138917
Date	Apr 17, 2019
Instrument	2019-0138917

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 23, 2049

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	663 POLARIS DR, ENCINITAS, CA 92024-2483
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000165344
Date	May 3, 2019
Instrument	2019-0165344

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	May 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	May 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.5%
Index	1-Year LIBOR
Max Rate	8.5%

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	663 POLARIS DR, ENCINITAS, CA 92024-2483
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000541780
Date	Nov 21, 2017
Instrument	2017-0541780

Lender

Name	MUFG UNION BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	663 POLARIS DR, ENCINITAS, CA 92024-2483
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012570
Date	Jan 11, 2019
Instrument	2019-0012570

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Feb 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.87%
Index	1-Year LIBOR
Max Rate	8.87%

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	663 POLARIS DR, ENCINITAS, CA 92024-2483
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000164265
Date	Apr 1, 2020
Instrument	2020-0164265

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Type Change Date	Apr 1, 2030
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.12%
Index	1-Year CMT
Max Rate	8.12%

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	663 POLARIS DR, ENCINITAS, CA 92024-2483
Document Number	0000350454
Instrument Date	Jul 28, 2017
Transaction Type	Mortgage
Record Updated	Aug 8, 2017
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	663 POLARIS DR ENCINITAS CA 920242483, ENCINITAS, CA 92024-2483

Mortgage

Document Number	0000350454
Date	Aug 2, 2017
Instrument	350454

Lender

Name	JMAC LENDING
Type	Funding / Finance Company
Address	SANTA ANA, CA 92705

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.37%

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 28, 2017
Property Address	663 POLARIS DR, ENCINITAS, CA 92024-2483
Document Number	0000192791
Instrument Date	Apr 18, 2017
Instrument	192791
Transaction Type	Transfer
Record Updated	May 5, 2017
Title Company	TITLE 365

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$693.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	663 POLARIS DR ENCINITAS CA 920242483, ENCINITAS, CA 92024-2483

Mortgage

Document Number	192792
Date	Apr 28, 2017
Instrument	192792

Lender

Name	BRIAN MCDONNELL
Address	326 ENCINITAS BLVD # 200, ENCINITAS, CA 92024-8703
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 663 Polaris Dr was $21,981.

Source: San Diego County assessment roll, as of July 21, 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		$1,943,775 (+2%) Land $1,401,462 Building $542,313
2025	$21,981.00 Homeowner's exemption	$1,905,663 Land $1,373,983 Building $531,680
2023	$18,631.00 (+1.28%) Homeowner's exemption	$1,657,936 Land $780,861 Building $877,075
2022	$18,396.00

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 663 Polaris 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	3 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

Wildfire risk around 663 Polaris Dr is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 98.4% of California
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 358 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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