868 Chelsea Ln, Encinitas, CA 92024 Property Records

San Diego County property record for 868 Chelsea Ln, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,694 sqft · built 1999
Lot Size	0.57 acres (24,829 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,850,000 (Oct 2020)
Tax Bill	$23,643 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`264-171-85-00`

Property Details

APN / Parcel Number

Primary APN	`264-171-85-00`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Building Area	3,694 sqft Living Area

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Lot Area	24,829 sqft (0.57 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	868 CHELSEA LN
City	ENCINITAS
State	CA
Zip	92024-6675
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR2
Legal Description	PAR 1 TR PM15615
Legal Subdivision	CITY OF ENCINITAS
Legal Tract	15615
Legal Block	2
Legal Lot Number	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2003
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	2 Individual Names on Record
Mailing Address	868 CHELSEA LN, ENCINITAS, CA 92024-6675
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 19, 2023	Deed of Trust, Mortgage · Line of Credit FIRST TECHNOLOGY FEDERAL CU
Oct 30, 2020	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2020 · Amount on Record
Deed Sale	Oct 30, 2020 · Amount on Record
Prior Sale	Mar 4, 2015 · Amount on Record
Deed Document Number	2020676256
Prior Transfer Date	Feb 24, 2015
Prior Transfer Doc	0000090786
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	868 CHELSEA LN, ENCINITAS, CA 92024-6675
Transaction Type	Mortgage
Record Updated	Dec 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	868 CHELSEA LN, ENCINITAS, CA 92024-6675

Mortgage

Document Number	0000347358
Date	Dec 19, 2023
Instrument	2023-0347358

Lender

Name	FIRST TECHNOLOGY FEDERAL CU
Type	Credit Union
Address	HILLSBORO, OR 97124

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Dec 25, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 30, 2020
Property Address	868 CHELSEA LN, ENCINITAS, CA 92024-6675
Document Number	0000676256
Map Reference	DOC 89-148940
Instrument Date	Sep 29, 2020
Instrument	2020-0676256
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	INNOVATIVE 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	Joint Tenants
Address	868 CHELSEA LN, ENCINITAS, CA 92024-6675

Mortgage

Document Number	0000676257
Date	Oct 30, 2020
Instrument	2020-0676257

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

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		$2,042,434 (+2%) Land $1,214,487 Building $827,947
2025	$23,643.00 (+6.36%) Homeowner's exemption	$2,002,387 (+4.04%) Land $1,190,674 Building $811,713
2023	$22,229.00 (+1.55%) Homeowner's exemption	$1,924,635 Land $1,144,440 Building $780,195
2022	$21,890.00

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
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	2 (2010–2020)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Apr 2020 · rainfall accumulation

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 99.8% of the US · lower than 99.8% of California
Wildfire Likelihood	Under 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	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 259 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 50
San Diego Broadband Fixed Wireless	500 / 100
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Cox Communications, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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