943 Windy Hill Ter, #45, Encinitas, CA 92024 Property Records

San Diego County property record for 943 Windy Hill Ter, #45, Encinitas, CA 92024

Property Summary

Property Type	Duplex
Details	4 bd · 4 ba · 2,170 sqft · built 1978
Lot Size	0.196 acres (8,525 sqft)
Owner	Individual Name on File
Last Sale	$1,826,000 (Feb 2026)
Tax Bill	$11,295 (2025)
Deeds & Mortgages	Feb 2026 Sale & Mortgage May 2023 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`259-280-40-00`

Property Details

APN / Parcel Number

Primary APN	`259-280-40-00`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Units	2 Units
Building Area	2,170 sqft Living Area

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Duplex Single
Lot Area	8,525 sqft (0.196 acres)

Location & Zoning

Street Address	943 WINDY HILL TER, 45
City	ENCINITAS
State	CA
Zip	92024-3928
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R8
Legal Description	PAR 2 TR PM02988
Legal Subdivision	AVOCADO ACRES UNIT 7
Legal Tract	2988
Legal Block	3
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3002
Census Tract	17502

Owner

943 Windy Hill Ter, #45 is owned by an individual who bought it in February 2026.

Source: San Diego County records, as of July 28, 2026

Owner of Record	Individual Name on File
Mailing Address	643 SOLANA HILLS CT, SOLANA BEACH, CA 92075-1421
Owner Type	Individual
Vesting	Unmarried Man

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 18, 2026	Grant Deed, Transfer · Conventional Mortgage M5 FINANCIAL
May 31, 2023	Intrafamily Transfer, Transfer
Oct 14, 2022	Intrafamily Transfer, Transfer
Oct 14, 2022	Intrafamily Transfer, Transfer
Nov 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage EVERETT FINANCIAL INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 18, 2026 · Amount on File
Deed Sale	Feb 18, 2026 · Amount on File
Prior Sale	Mar 24, 2016 · Amount on File
Deed Document Number	202644802
Prior Transfer Date	Sep 30, 1994
Prior Transfer Doc	0000593814
Record Updated	Oct 29, 2026

February 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 18, 2026
Property Address	943 WINDY HILL TER # 45, 45, ENCINITAS, CA 92024-3928
Document Number	0000044802
Map Reference	PG 2988
Instrument Date	Feb 10, 2026
Instrument	2026-0044802
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
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
Address	643 SOLANA HILLS CT, SOLANA BEACH, CA 92075-1421

Mortgage

Document Number	0000044803
Date	Feb 18, 2026
Instrument	2026-0044803

Lender

Name	M5 FINANCIAL
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	May 31, 2023
Property Address	943 WINDY HILL TER # 45, 45, ENCINITAS, CA 92024-3928
Document Number	0000141207
Map Reference	PG 2988
Instrument Date	May 15, 2023
Instrument	2023-0141207
Transaction Type	Transfer
Record Updated	Jun 8, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	412 W E ST, ENCINITAS, CA 92024-3424

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 14, 2022
Property Address	943 WINDY HILL TER # 45, 45, ENCINITAS, CA 92024-3928
Document Number	0000399428
Map Reference	PG 298B
Instrument Date	Jul 22, 2022
Instrument	2022-0399428
Transaction Type	Transfer
Record Updated	Oct 25, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 W E ST, ENCINITAS, CA 92024-3424

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 14, 2022
Property Address	943 WINDY HILL TER # 45, 45, ENCINITAS, CA 92024-3928
Document Number	0000399427
Map Reference	PG 2988
Instrument Date	Jul 22, 2022
Instrument	2022-0399427
Transaction Type	Transfer
Record Updated	Oct 25, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 W E ST, ENCINITAS, CA 92024-3424

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	943 WINDY HILL TER # 45, 45, ENCINITAS, CA 92024-3928
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CORINTHIAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 W E ST, ENCINITAS, CA 92024-3424

Mortgage

Document Number	0000761122
Date	Nov 30, 2020
Instrument	2020-0761122

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company
Address	DALLAS, TX 75254

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 943 Windy Hill Ter, #45 was $11,295, up 4.4% from the year before.

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		$1,836,000 (+93.87%) Land $1,530,000 Building $306,000
2025	$11,295.00 (+4.39%)	$947,030 Land $710,274 Building $236,756
2024	$10,820.00 (+3.12%)
2023	$10,493.00 (+1.82%)	$910,258 Land $682,695 Building $227,563
2022	$10,305.00

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.

Flood

FEMA maps place 943 Windy Hill Ter, #45 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	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

The area around 943 Windy Hill Ter, #45 has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 563 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Ting Fiber	2,000 / 2,000
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum.

Nearby Properties on Windy Hill Ter

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures