San Diego County property record for 846 Val Sereno Dr, Encinitas, CA 92024
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,702 sqft · built 1977 |
| Lot Size | 0.231 acres (10,071 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,900,000 (Apr 2025) |
| Tax Bill | $6,718 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 264-200-43-00 |
| Primary APN | 264-200-43-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 2,702 sqft Living Area |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Lot Area | 10,071 sqft (0.231 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Old Parcel Number | 2641903600 |
|---|---|
| Street Address | 846 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 21 (EX ST OP) TR 006323 |
| Legal Subdivision | LAKE VAL SERENO |
| Legal Tract | 006323 |
| Legal Block | 1 |
| Legal Lot Number | 21 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | SAN DIEGO |
| Census Block Group | 1 |
| Census Block | 1041 |
| Census Tract | 17111 |
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 | 11251 CARMEL CREEK RD, SAN DIEGO, CA 92130-2625 |
| Owner Type | Individual |
| Vesting | Community Property |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 1, 2025 · Amount on Record |
| Deed Sale | Apr 1, 2025 · Amount on Record |
| Prior Sale | Jun 23, 1994 · Amount on Record |
| Deed Document Number | 202581843 |
| Prior Transfer Date | Mar 11, 2024 |
| Prior Transfer Doc | 0000067225 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 846 VAL SERENO DR, ENCINITAS, CA 92024-6922 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2026 |
| Name | Verified Name |
|---|---|
| Address | 846 VAL SERENO DR, ENCINITAS, CA 92024-6922 |
| Investor | Possibly a Property Investor |
| Document Number | 0000062499 |
|---|---|
| Date | Mar 6, 2026 |
| Instrument | 2026-0062499 |
| Name | CITY NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | LOS ANGELES, CA 90071 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.29% |
| 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% |
Source: San Diego County assessment roll, as of July 28, 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) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $1,938,000 (+253.57%) Land $1,428,000 Building $510,000 | |
| 2025 | $6,718.00 (+6.89%) Homeowner's exemption | $548,118 (+4.04%) Land $132,845 Building $415,273 |
| 2023 | $6,285.00 (+3%) Homeowner's exemption | $526,837 Land $127,688 Building $399,149 |
| 2022 | $6,102.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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.
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.
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 |
| 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.
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.
5G (outdoors only) and 4G LTE
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