670 Union St, Encinitas, CA 92024 Property Records

San Diego County property record for 670 Union St, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,892 sqft · built 1985
Lot Size	0.49 acres (21,360 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,162,500 (Mar 2015)
Tax Bill	$16,017 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Mar 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`256-180-39-00`

Property Details

APN / Parcel Number

Primary APN	`256-180-39-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,892 sqft Living Area

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Lot Area	21,360 sqft (0.49 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	670 UNION ST
City	ENCINITAS
State	CA
Zip	92024-2732
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	PAR 1 TR PM16571
Legal Subdivision	CITY OF ENCINITAS
Legal Tract	16571
Legal Block	2
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2002
Census Tract	17603

Owner

Source: San Diego County records, as of July 28, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	670 UNION ST, ENCINITAS, CA 92024-2732
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 25, 2022	Deed of Trust, Mortgage · Line of Credit COMERICA BANK
Mar 23, 2022	Deed of Trust, Mortgage · Conventional Mortgage SAN DIEGO COUNTY CU
Oct 29, 2019	Deed of Trust, Mortgage · Line of Credit SAN DIEGO COUNTY CU
Sep 11, 2019	Deed of Trust, Mortgage · Conventional Mortgage SAN DIEGO COUNTY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 4, 2015 · Amount on Record
Deed Sale	Mar 4, 2015 · Amount on Record
Prior Sale	Mar 31, 1994 · Amount on Record
Deed Document Number	201599626
Prior Transfer Date	May 3, 2004
Prior Transfer Doc	0000450977
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	670 UNION ST, ENCINITAS, CA 92024-2732
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	670 UNION ST, ENCINITAS, CA 92024-2732

Mortgage

Document Number	0000303593
Date	Jul 25, 2022
Instrument	2022-0303593

Lender

Name	COMERICA BANK
Type	Bank
Address	DALLAS, TX 75201

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 22, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	670 UNION ST, ENCINITAS, CA 92024-2732
Transaction Type	Mortgage
Record Updated	Apr 4, 2022
Title Company	PLACER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	670 UNION ST, ENCINITAS, CA 92024-2732

Mortgage

Document Number	0000129352
Date	Mar 23, 2022
Instrument	2022-0129352

Lender

Name	SAN DIEGO COUNTY CU
Type	Credit Union
Address	SAN DIEGO, CA 92121

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	670 UNION ST, ENCINITAS, CA 92024-2732
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000491682
Date	Oct 29, 2019
Instrument	2019-0491682

Lender

Name	SAN DIEGO COUNTY CU
Type	Credit Union
Address	SAN DIEGO, CA 92196

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Oct 31, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	670 UNION ST, ENCINITAS, CA 92024-2732
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000395066
Date	Sep 11, 2019
Instrument	2019-0395066

Lender

Name	SAN DIEGO COUNTY CU
Type	Credit Union
Address	SAN DIEGO, CA 92196

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 28, 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		$1,425,083 (+2%) Land $980,705 Building $444,378
2025	$16,017.00 (+7.17%) Homeowner's exemption	$1,397,141 (+4.04%) Land $961,476 Building $435,665
2023	$14,946.00 (+1.7%) Homeowner's exemption	$1,342,891 Land $924,142 Building $418,749
2022	$14,696.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

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

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

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.8% of California
Wildfire Likelihood	Under 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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