684 Cypress Hills Dr, Encinitas, CA 92024 Property Records

San Diego County property record for 684 Cypress Hills Dr, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,347 sqft · built 2003
Lot Size	0.142 acres (6,172 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,900,000 (Aug 2024)
Tax Bill	$34,232 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Apr 2023 Sale + 8 more
Flood Zone	Zone X (minimal risk)
APN	`254-711-14-00`

Property Details

APN / Parcel Number

Primary APN	`254-711-14-00`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Building Area	3,347 sqft Living Area

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Lot Area	6,172 sqft (0.142 acres)

Location & Zoning

Street Address	684 CYPRESS HILLS DR
City	ENCINITAS
State	CA
Zip	92024-2394
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ER-SFR3V
Legal Description	LOT 76 PAR A PER DOC01-770062 IN TR 014268
Legal Subdivision	ENCINITAS ESTATES
Legal Tract	014268
Legal Block	2
Legal Lot Number	76
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2004
Census Tract	17605

Owner

Source: San Diego County records, as of July 28, 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	2 Individual Names on Record
Mailing Address	684 CYPRESS HILLS DR, ENCINITAS, CA 92024-2394
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2026	Deed of Trust, Mortgage · Conventional Mortgage CITY NATIONAL BANK
Apr 6, 2023	Grant Deed, Transfer LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY
Dec 7, 2021	Intrafamily Transfer, Transfer
Dec 7, 2021	Intrafamily Transfer, Transfer
Sep 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA
Mar 22, 2021	Intrafamily Transfer, Transfer
Jun 9, 2017	Deed of Trust, Mortgage LA JOLLA PACIFIC PARTNERS LLC
Jan 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA
Feb 13, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Aug 4, 2017	Grant Deed, Transfer · ARM MUFG UNION BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 7, 2024 · Amount on Record
Deed Sale	Aug 7, 2024 · Amount on Record
Prior Sale	Apr 6, 2023 · Amount on Record
Deed Document Number	2024209631
Prior Transfer Date	Dec 2, 2021
Prior Transfer Doc	0000828012
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	684 CYPRESS HILLS DR, ENCINITAS, CA 92024-2394
Transaction Type	Mortgage
Record Updated	Apr 7, 2026
Title Company	CALIFORNIA BEST TITLE CO, CALIFORNIA BEST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	684 CYPRESS HILLS DR, ENCINITAS, CA 92024-2394

Mortgage

Document Number	0000086062
Date	Mar 30, 2026
Instrument	2026-0086062

Lender

Name	CITY NATIONAL BANK
Type	Bank
Address	LOS ANGELES, CA 90071

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.27%
Type Change Date	Apr 1, 2033
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.2%
Index	SOFR Average 30-Day
Max Rate	10.2%

April 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 6, 2023
Property Address	684 CYPRESS HILLS DR, ENCINITAS, CA 92024-2394
Document Number	0000088325
Map Reference	MAP 14268
Instrument Date	Mar 31, 2023
Instrument	2023-0088325
Transaction Type	Transfer
Record Updated	Apr 17, 2023
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2339 11TH ST, ENCINITAS, CA 92024-6604

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 7, 2021
Property Address	684 CYPRESS HILLS DR, ENCINITAS, CA 92024-2394
Document Number	0000828013
Map Reference	MAP 14268
Instrument Date	Dec 2, 2021
Instrument	2021-0828013
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	684 CYPRESS HILLS DR, ENCINITAS, CA 92024-2394

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 7, 2021
Property Address	684 CYPRESS HILLS DR, ENCINITAS, CA 92024-2394
Document Number	0000828012
Map Reference	MAP 14268
Instrument Date	Dec 2, 2021
Instrument	2021-0828012
Transaction Type	Transfer
Record Updated	Dec 15, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	684 CYPRESS HILLS DR, ENCINITAS, CA 92024-2394

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	684 CYPRESS HILLS DR, ENCINITAS, CA 92024-2394
Transaction Type	Mortgage
Record Updated	Sep 10, 2021
Title Company	NATIONALLINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	684 CYPRESS HILLS DR, ENCINITAS, CA 92024-2394

Mortgage

Document Number	0000621820
Date	Sep 1, 2021
Instrument	2021-0621820

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.62%
Type Change Date	Sep 1, 2031
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	7.62%
Index	Other
Margin	3
Max Rate	7.62%

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 22, 2021
Property Address	684 CYPRESS HILLS DR, ENCINITAS, CA 92024-2394
Document Number	0000219137
Map Reference	MAP 14268
Instrument Date	Feb 24, 2021
Instrument	2021-0219137
Transaction Type	Transfer
Record Updated	Aug 24, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	684 CYPRESS HILLS DR, ENCINITAS, CA 92024-2394

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	684 CYPRESS HILLS DR, ENCINITAS, CA 92024-2394
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000259463
Date	Jun 9, 2017
Instrument	2017-0259463

Lender

Name	LA JOLLA PACIFIC PARTNERS LLC
Type	Non-Lending Institution

Agreement

Amount	Amount Recorded

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	684 CYPRESS HILLS DR, ENCINITAS, CA 92024-2394
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NATIONALLINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000022574
Date	Jan 15, 2020
Instrument	2020-0022574

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	Feb 1, 2030
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	8.37%
Index	1-Year LIBOR
Max Rate	8.37%

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 13, 2018
Property Address	684 CYPRESS HILLS DR, ENCINITAS, CA 92024-2394
Document Number	0000057662
Instrument Date	Feb 5, 2018
Instrument	57662
Transaction Type	Transfer
Record Updated	Feb 19, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	684 CYPRESS HILLS DR ENCINITAS CA 920242394, ENCINITAS, CA 92024-2394

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 4, 2017
Property Address	684 CYPRESS HILLS DR, ENCINITAS, CA 92024-2394
Document Number	0000354909
Map Reference	MAP14268
Instrument Date	Jul 5, 2017
Instrument	2017-0354909
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	LAWYERS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Notice of Default Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	684 CYPRESS HILLS DR, ENCINITAS, CA 92024-2394

Mortgage

Document Number	0000354910
Date	Aug 4, 2017
Instrument	2017-0354910

Lender

Name	MUFG UNION BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Type Change Date	Sep 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.62%
Index	1-Year LIBOR
Max Rate	9.62%

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		$2,958,000 (+2%) Land $2,040,000 Building $918,000
2025	$34,232.00 (+9.43%)	$2,900,000 (+95.03%) Land $2,000,000 Building $900,000
2024	$31,282.00 (+65.91%)
2023	$18,855.00 (+4.64%) Homeowner's exemption	$1,486,931 Land $820,233 Building $666,698
2022	$18,019.00

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	5 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	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.

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 253 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Spectrum Cable	1,000 / 50
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: Ting.

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