840 Val Sereno Dr, Encinitas, CA 92024 Property Records

San Diego County property record for 840 Val Sereno Dr, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,872 sqft · built 1976
Lot Size	0.239 acres (10,393 sqft)
Owner	Company Name on Record
Last Sale	$1,700,000 (Jun 2021)
Tax Bill	$20,465 (2025)
Deeds & Mortgages	Jan 2024 Line of Credit Jul 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`264-200-42-00`

Property Details

APN / Parcel Number

Primary APN	`264-200-42-00`
Alternative APN	`2641902000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,872 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Contemporary
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	10,393 sqft (0.239 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Water Source	Commercial

Location & Zoning

Old Parcel Number	2641902000
Street Address	840 VAL SERENO DR
City	ENCINITAS
State	CA
Zip	92024-6922
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 20 TR 006323
Legal Subdivision	LAKE VAL SERENO
Legal Tract	006323
Legal Block	1
Legal Lot Number	20
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1041
Census Tract	17111

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	Company Name on Record
Mailing Address	840 VAL SERENO DR, ENCINITAS, CA 92024-6922
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2024	Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE
Jul 21, 2022	Deed of Trust, Mortgage · Conventional Mortgage MISSION FCU
Jan 10, 2022	Deed of Trust, Mortgage · Line of Credit ALLIANT CU
Jan 3, 2022	Deed of Trust, Mortgage · Conventional Mortgage FRANKLIN LOAN CENTER
Jun 3, 2021	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 3, 2021 · Amount on Record
Deed Sale	Jun 3, 2021 · Amount on Record
Prior Sale	Jun 7, 2000 · Amount on Record
Deed Document Number	2021415429
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	840 VAL SERENO DR, ENCINITAS, CA 92024-6922
Transaction Type	Mortgage
Record Updated	Feb 5, 2024
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL ORANGE CNT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	840 VAL SERENO DR, ENCINITAS, CA 92024-6922

Mortgage

Document Number	0000021976
Date	Jan 26, 2024
Instrument	2024-0021976

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	840 VAL SERENO DR, ENCINITAS, CA 92024-6922
Transaction Type	Mortgage
Record Updated	Aug 2, 2022
Title Company	FIDELITY NATL TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	840 VAL SERENO DR, ENCINITAS, CA 92024-6922

Mortgage

Document Number	0000300391
Date	Jul 21, 2022
Instrument	2022-0300391

Lender

Name	MISSION FCU
Type	Credit Union
Address	SAN DIEGO, CA 92191

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Aug 1, 2032
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	8%
Index	1-Year CMT
Margin	2
Max Rate	8%

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	840 VAL SERENO DR, ENCINITAS, CA 92024-6922
Transaction Type	Mortgage
Record Updated	Jan 19, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	840 VAL SERENO DR, ENCINITAS, CA 92024-6922

Mortgage

Document Number	0000013211
Date	Jan 10, 2022
Instrument	2022-0013211

Lender

Name	ALLIANT CU
Type	Credit Union
Address	CHICAGO, IL 60666

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 4, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	840 VAL SERENO DR, ENCINITAS, CA 92024-6922
Transaction Type	Mortgage
Record Updated	Jan 11, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL ORANGE CNT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	840 VAL SERENO DR, ENCINITAS, CA 92024-6922

Mortgage

Document Number	0000000083
Date	Jan 3, 2022
Instrument	2022-0000083

Lender

Name	FRANKLIN LOAN CENTER
Type	Mortgage Company
Address	PALM DESERT, CA 92260

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Jan 1, 2029
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	7.75%
Index	1-Year LIBOR
Margin	3
Max Rate	7.75%

June 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 3, 2021
Property Address	840 VAL SERENO DR, ENCINITAS, CA 92024-6922
Document Number	0000415429
Map Reference	MAP 6323
Instrument Date	May 17, 2021
Instrument	2021-0415429
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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
Relationship	Family Trust
Address	840 VAL SERENO DR, ENCINITAS, CA 92024-6922

Mortgage

Document Number	0000415430
Date	Jun 3, 2021
Instrument	2021-0415430

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

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		$1,876,935 (+2%) Land $1,435,304 Building $441,631
2025	$20,465.00 (+7.15%)	$1,840,133 (+4.04%) Land $1,407,161 Building $432,972
2023	$19,100.00 (+3.24%) Homeowner's exemption	$1,768,680 Land $1,352,520 Building $416,160
2022	$18,501.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	2 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 80% of the US · lower than 88% of California
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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	OLIVENHAIN MWD serves 86,458 people · EPA ID CA3710029
Water Source	Purchased surface water from several systems
Last State Inspection	May 2024
Lead	Under 1 ppb (2023–2025) 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 96 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
San Diego Broadband Fixed Wireless	500 / 100
Starlink Satellite	280 / 30
AT&T DSL	100 / 20

May also be available: Race Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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