San Diego County property record for 675 Neptune Ave, Encinitas, CA 92024
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2.5 ba · 2,818 sqft · built 1947 |
| Lot Size | 0.228 acres (9,917 sqft) |
| Owner | Company Name on File |
| Last Sale | $2,217,000 (Oct 2018) |
| Tax Bill | $27,886 (2025) |
| Deeds & Mortgages | Jun 2026 Line of Credit Nov 2019 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 256-053-03-00 |
| Primary APN | 256-053-03-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Units | 2 Units |
| Building Area | 2,818 sqft Living Area |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 1947 |
| Architectural Style | Duplex Single |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 9,917 sqft (0.228 acres) |
| Garage Type | Attached |
| Heating System | Floor/Wall Furnace |
|---|
| Street Address | 675 NEPTUNE AVE |
|---|---|
| City | ENCINITAS |
| State | CA |
| Zip | 92024-2022 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | RS11 |
| Legal Description | BLK A LOT 12 PAR AS PER ROS 4421 IN TR 001935 |
| Legal Subdivision | SOUTH COAST PARK |
| Legal Tract | 001935 |
| Legal Block | A |
| Legal Lot Number | 12 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | SAN DIEGO |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 17702 |
Source: San Diego County assessment roll, APN 256-053-03-00, as of 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 | 675 NEPTUNE AVE, ENCINITAS, CA 92024-2022 |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Date | Document |
|---|---|
| Jun 17, 2026 | Deed of Trust, Mortgage · Line of Credit HOMETRUST BANK |
| Nov 25, 2019 | Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA |
| Nov 13, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Jun 27, 2019 | Intrafamily Transfer, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Oct 16, 2018 | Grant Deed, Transfer · ARM NEW PENN FINANCIAL LLC |
| Jan 03, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 16, 2018 · Amount on Record |
| Deed Sale | Oct 16, 2018 · Amount on Record |
| Deed Document Number | 2018430314 |
| Last Transfer Date | Oct 29, 2020 |
| Transfer Doc | 0000712058 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Jun 17, 2026 |
| Property Address | 675 NEPTUNE AVE, ENCINITAS, CA 92024-2022 |
| Document Number | 0000174340 |
| Instrument Date | Jun 12, 2026 |
| Instrument | 2026174340 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | PRIOR TITLE, PRIORITY TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Family Trust, 221 |
| Address | 243 LAZY OAKS DR, WACO, TX 76705-4916 |
| Document Number | 0000174340, |
|---|---|
| Date | Jun 17, 2026 |
| Instrument | 2026174340 |
| Name | HOMETRUST BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate | 6.36% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 675 NEPTUNE AVE, ENCINITAS, CA 92024-2022 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000547843 |
|---|---|
| Date | Nov 25, 2019 |
| Instrument | 2019-0547843 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 16, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Nov 13, 2020 |
| Property Address | 675 NEPTUNE AVE, ENCINITAS, CA 92024-2022 |
| Document Number | 0000712058 |
| Instrument Date | Oct 29, 2020 |
| Instrument | 712058 |
| Transaction Type | Transfer |
| Record Updated | Nov 23, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 675 NEPTUNE AVE ENCINITAS CA 920242022, ENCINITAS, CA 92024-2022 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Jun 27, 2019 |
| Property Address | 675 NEPTUNE AVE, ENCINITAS, CA 92024-2022 |
| Document Number | 0000254422 |
| Map Reference | MAP 1935 |
| Instrument Date | May 31, 2019 |
| Instrument | 2019-0254422 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Title Company | ORANGE COAST TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 675 NEPTUNE AVE, ENCINITAS, CA 92024-2022 |
| Document Number | 0000254423 |
|---|---|
| Date | Jun 27, 2019 |
| Instrument | 2019-0254423 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Oct 16, 2018 |
| Property Address | 675 NEPTUNE AVE, ENCINITAS, CA 92024-2022 |
| Document Number | 0000430314 |
| Map Reference | MAP 1935 |
| Instrument Date | Jun 04, 2018 |
| Instrument | 2018-0430314 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Title Company | LAWYERS TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 888 BLUEBIRD CANYON DR, LAGUNA BEACH, CA 92651-2800 |
| Investor | Possibly a Property Investor |
| Document Number | 0000430315 |
|---|---|
| Date | Oct 16, 2018 |
| Instrument | 2018-0430315 |
| Name | NEW PENN FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.62% |
| Type Change Date | Nov 01, 2023 |
| Change Frequency | Annually |
| Min Rate At Change | 5.62% |
| Max Rate At Change | 7.62% |
| Index | 1-Year LIBOR |
| Max Rate | 10.6% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Jan 03, 2017 |
| Property Address | 675 NEPTUNE AVE, ENCINITAS, CA 92024-2022 |
| Document Number | 0000002351 |
| Instrument Date | Nov 15, 2016 |
| Instrument | 2351 |
| Transaction Type | Transfer |
| Record Updated | Jan 09, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 675 NEPTUNE AVE ENCINITAS CA 920242022, ENCINITAS, CA 92024-2022 |
Source: San Diego County assessment roll as of July 21, 2026 · Last verified July 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) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $2,522,560 (+2%) Land $2,503,220 Building $19,340 | |
| 2025 | $27,886.00 (+6.81%) | $2,473,099 (+4.04%) Land $2,454,138 Building $18,961 |
| 2023 | $26,107.00 (+2.28%) | $2,377,068 Land $2,358,842 Building $18,226 |
| 2022 | $25,525.00 |
Source: FEMA National Flood Hazard Layer, San Diego County (06073C), as of September 3, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060730177022, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone VE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 6 (1993–2024) |
| Claims Outside the SFHA | 6 of 6 |
| Most Recent Claim | Jan 2024 · Severe Storm And Flooding |
| Claims by Event |
|
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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: FCC Broadband Data Collection, 559 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Ting Fiber Fiber | 2,000 / 2,000 |
| Cox Communications Cable | 2,000 / 100 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
May also be available: Verizon.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System, water system CA3710021, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SAN DIEGUITO WD serves 40,405 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures