868 Channel Island Dr, Encinitas, CA 92024 Property Records

San Diego County property record for 868 Channel Island Dr, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	3 bd · 4.5 ba · 3,511 sqft · built 2015
Lot Size	0.289 acres (12,591 sqft)
Owner	2 Individual Names on File
Last Sale	$1,530,500 (Dec 2015)
Tax Bill	$21,551 (2025)
Deeds & Mortgages	Feb 2017 Line of Credit Nov 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`256-440-55-00`

Property Details

APN / Parcel Number

Primary APN	`256-440-55-00`

Interior

Bedrooms	3 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Building Area	3,511 sqft Living Area

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Lot Area	12,591 sqft (0.289 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	868 CHANNEL ISLAND DR
City	ENCINITAS
State	CA
Zip	92024-2484
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	LOT 55 TR 015910
Legal Subdivision	MAP 11-115
Legal Tract	015910
Legal Block	1
Legal Lot Number	55
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1000
Census Tract	17605

Owner

868 Channel Island Dr is owned by two individuals who bought it in December 2015.

Source: San Diego County records, as of July 22, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1240 MOLARA LN, ENCINITAS, CA 92024-5742
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 6, 2017	Deed of Trust, Mortgage · Line of Credit MUFG UNION BANK NA
Nov 15, 2018	Deed of Trust, Mortgage · Line of Credit MUFG UNION BANK NA
Jan 13, 2022	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 17, 2015 · Amount on File
Deed Sale	Dec 17, 2015 · Amount on File
Deed Document Number	2015646206
Record Updated	Sep 20, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	868 CHANNEL ISLAND DR, ENCINITAS, CA 92024-2484
Transaction Type	Mortgage
Record Updated	Aug 23, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000059284
Date	Feb 6, 2017
Instrument	2017-0059284

Lender

Name	MUFG UNION BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	868 CHANNEL ISLAND DR, ENCINITAS, CA 92024-2484
Transaction Type	Mortgage
Record Updated	Aug 23, 2022
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000474791
Date	Nov 15, 2018
Instrument	2018-0474791

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 26, 2048

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	868 CHANNEL ISLAND DR, ENCINITAS, CA 92024-2484
Transaction Type	Mortgage
Record Updated	Aug 23, 2022
Title Company	DOMA TITLE OF CALIFORNIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	868 CHANNEL ISLAND DR, ENCINITAS, CA 92024-2484

Mortgage

Document Number	0000019121
Date	Jan 13, 2022
Instrument	2022-0019121

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 868 Channel Island Dr was $21,551.

Source: San Diego County assessment roll, as of July 21, 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		$1,902,154 (+2%) Land $941,826 Building $960,328
2025	$21,551.00	$1,864,858 Land $923,359 Building $941,499
2023	$20,184.00 (+1.6%) Homeowner's exemption	$1,792,445 Land $887,504 Building $904,941
2022	$19,866.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 868 Channel Island Dr in Zone X, an area of minimal flood risk.

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	3 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

Wildfire risk around 868 Channel Island Dr is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 98.4% of California
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 358 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ting Fiber	2,000 / 2,000
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
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: Spectrum.

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