San Diego County property record for 665 Sea Ridge Ct, Encinitas, CA 92024
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,506 sqft · built 2020 |
| Owner | 2 Individual Names on File |
| Last Sale | $3,075,000 (Nov 2024) |
| Tax Bill | $33,770 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Jan 2022 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 258-430-06-00 |
| Primary APN | 258-430-06-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 3,506 sqft Living Area |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Parking Spaces | 3 Parking Spaces |
| Street Address | 665 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 6 TR 016313 |
| Legal Subdivision | ENCINITAS TM 16-211 |
| Legal Tract | 016313 |
| Legal Block | 1 |
| Legal Lot Number | 6 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | SAN DIEGO |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 17502 |
665 Sea Ridge Ct is owned and occupied by two individuals who bought it in November 2024.
Source: San Diego County records, as of July 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 665 SEA RIDGE CT, ENCINITAS, CA 92024-4556 |
| 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 |
|---|---|
| Dec 30, 2025 | Deed of Trust, Mortgage · Conventional Mortgage FRANKLIN LOAN CENTER |
| Jan 25, 2022 | Intrafamily Transfer, Transfer |
| Nov 13, 2020 | Grant Deed, Transfer · Conventional Mortgage US BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 13, 2024 · Amount on File |
| Deed Sale | Nov 13, 2024 · Amount on File |
| Prior Sale | Nov 13, 2020 · Amount on File |
| Deed Document Number | 2024315341 |
| Prior Transfer Date | Sep 11, 2024 |
| Prior Transfer Doc | 0000251681 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 665 SEA RIDGE CT, ENCINITAS, CA 92024-4556 |
| Transaction Type | Mortgage |
| Record Updated | Jan 8, 2026 |
| Name | Verified Name |
|---|---|
| Address | 665 SEA RIDGE CT, ENCINITAS, CA 92024-4556 |
| Document Number | 0000366636 |
|---|---|
| Date | Dec 30, 2025 |
| Instrument | 2025-0366636 |
| Name | FRANKLIN LOAN CENTER |
|---|---|
| Type | Mortgage Company |
| Address | PALM DESERT, CA 92260 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.87% |
| Type Change Date | Jan 1, 2031 |
| Change Frequency | 6 Months |
| Min Rate At Change | 4.87% |
| Max Rate At Change | 8.87% |
| Index | SOFR Average 30-Day |
| Max Rate | 11.8% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Jan 25, 2022 |
| Property Address | 665 SEA RIDGE CT, ENCINITAS, CA 92024-4556 |
| Document Number | 0000036285 |
| Map Reference | MAP 16313 |
| Instrument Date | Jan 19, 2022 |
| Instrument | 2022-0036285 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 665 SEA RIDGE CT, ENCINITAS, CA 92024-4556 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Nov 13, 2020 |
| Property Address | 665 SEA RIDGE CT, ENCINITAS, CA 92024-4556 |
| Document Number | 0000713059 |
| Map Reference | MAP 16313 |
| Instrument Date | Nov 3, 2020 |
| Instrument | 2020-0713059 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Title Company | FNTG BUILDER SERVICES |
| Amount | Amount on Record |
|---|---|
| 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 |
|---|---|
| Address | 665 SEA RIDGE CT, ENCINITAS, CA 92024-4556 |
| Document Number | 0000713060 |
|---|---|
| Date | Nov 13, 2020 |
| Instrument | 2020-0713060 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2050 |
The 2025 property tax bill for 665 Sea Ridge Ct was $33,770.
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 | $3,136,500 (+2%) Land $2,040,000 Building $1,096,500 | |
| 2025 | $33,770.00 | $3,075,000 Land $2,000,000 Building $1,075,000 |
| 2023 | $21,201.00 (+2.29%) | $1,948,236 Land $936,360 Building $1,011,876 |
| 2022 | $20,726.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 665 Sea Ridge Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1999.
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.
The area around 665 Sea Ridge Ct 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 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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