San Diego County property record for 745 Val Sereno Dr, Encinitas, CA 92024
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,197 sqft · built 1980 |
| Lot Size | 0.351 acres (15,271 sqft) |
| Owner | Individual Name on File |
| Last Sale | $1,255,000 (Apr 2018) |
| Tax Bill | $16,638 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage May 2018 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 264-190-32-00 |
| Primary APN | 264-190-32-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,197 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Contemporary |
| Exterior Material | Wood Siding |
| Roof Material | Wood Shingle |
| Lot Area | 15,271 sqft (0.351 acres) |
| View / Lot | Good |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 745 VAL SERENO DR |
|---|---|
| City | ENCINITAS |
| State | CA |
| Zip | 92024-6921 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Description | LOT 32 TR 006323 |
| Legal Subdivision | LAKE VAL SERENO |
| Legal Tract | 006323 |
| Legal Block | 1 |
| Legal Lot Number | 32 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | SAN DIEGO |
| Census Block Group | 1 |
| Census Block | 1041 |
| Census Tract | 17111 |
Source: San Diego County records · APN 264-190-32-00
Assessment roll updated 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 | Individual Name on File |
|---|---|
| Mailing Address | 745 VAL SERENO DR, ENCINITAS, CA 92024-6921 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 01, 2021 | Deed of Trust, Mortgage · Commercial Mortgage COMERICA BANK |
| May 14, 2018 | Deed of Trust, Mortgage · Line of Credit BANNER BANK |
| Sep 13, 2019 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Apr 14, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jan 25, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE LLC |
| Apr 05, 2018 | Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 05, 2018 · Amount on Record |
| Deed Sale | Apr 05, 2018 · Amount on Record |
| Prior Sale | Nov 13, 1986 · Amount on Record |
| Deed Document Number | 2018133818 |
| Prior Transfer Date | Jul 29, 2011 |
| Prior Transfer Doc | 0000403651 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 745 VAL SERENO DR, ENCINITAS, CA 92024-6921 |
| Transaction Type | Mortgage |
| Record Updated | Apr 23, 2021 |
| Name | Verified Name |
|---|---|
| Address | 745 VAL SERENO DR, ENCINITAS, CA 92024-6921 |
| Document Number | 0000252187 |
|---|---|
| Date | Apr 01, 2021 |
| Instrument | 2021-0252187 |
| Name | COMERICA BANK |
|---|---|
| Type | Bank |
| Address | DALLAS, TX 75201 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 745 VAL SERENO DR, ENCINITAS, CA 92024-6921 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000192059 |
|---|---|
| Date | May 14, 2018 |
| Instrument | 2018-0192059 |
| Name | BANNER BANK |
|---|---|
| Type | Bank |
| Address | SAN DIEGO, CA 92106 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 745 VAL SERENO DR, ENCINITAS, CA 92024-6921 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | TICOR TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000400342 |
|---|---|
| Date | Sep 13, 2019 |
| Instrument | 2019-0400342 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 745 VAL SERENO DR, ENCINITAS, CA 92024-6921 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | TICOR TITLE SAN DIEGO BRANCH |
| Name | Verified Name |
|---|
| Document Number | 0000189420 |
|---|---|
| Date | Apr 14, 2020 |
| Instrument | 2020-0189420 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 745 VAL SERENO DR, ENCINITAS, CA 92024-6921 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | TICOR TITLE SAN DIEGO BRANCH |
| Name | Verified Name |
|---|---|
| Address | 745 VAL SERENO DR, ENCINITAS, CA 92024-6921 |
| Document Number | 0000056397 |
|---|---|
| Date | Jan 25, 2021 |
| Instrument | 2021-0056397 |
| Name | UNITED WHOLESALE MORTGAGE LLC |
|---|---|
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Apr 05, 2018 |
| Property Address | 745 VAL SERENO DR, ENCINITAS, CA 92024-6921 |
| Document Number | 0000133818 |
| Map Reference | MAP 6323 |
| Instrument Date | Mar 05, 2018 |
| Instrument | 2018-0133818 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Title Company | FIRST AMERICAN TITLE SAN DIE |
| 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 |
|---|---|
| Address | 745 VAL SERENO DR, ENCINITAS, CA 92024-6921 |
| Document Number | 0000133819 |
|---|---|
| Date | Apr 05, 2018 |
| Instrument | 2018-0133819 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2048 |
Source: San Diego County records · Assessment roll updated 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 | $1,456,529 (+2%) Land $986,495 Building $470,034 | |
| 2025 | $16,638.00 (+5.24%) Homeowner's exemption | $1,427,970 (+4.04%) Land $967,152 Building $460,818 |
| 2023 | $15,810.00 (+1.63%) Homeowner's exemption | $1,372,523 Land $929,598 Building $442,925 |
| 2022 | $15,557.00 |
Source: FEMA National Flood Hazard Layer as of September 3, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 2 in force |
| Wildfire Risk | Low lower than 94% of the US · lower than 96% of California |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond 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 as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 100 |
| Spectrum Cable | 1,000 / 50 |
| San Diego Broadband Fixed Wireless | 500 / 100 |
| Starlink Satellite | 280 / 30 |
| AT&T DSL | 100 / 20 |
May also be available: Race Telecommunications.
Based on FCC filings for 96 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | OLIVENHAIN MWD serves 86,458 people |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | May 2024 |
| Lead | Under 1 ppb (2023–2025) 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.
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