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Single Family ResidenceResidential
$2,959,912$597 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 90How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $2,250,000 on Sep 11, 2020

3862 RANCHO SUMMIT DR

ENCINITAS, CA 92024
4
Beds
5
Baths
4,956 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
1.05 ac
Lot SizeThe size of the land the home sits on, from county records.
2019
Year BuiltThe year the home was originally built, according to county records.
3
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$3M
$2.7M low$3.2M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$2,250,000 · Sep 11, 2020
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$1,159,912
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$927,930
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.48%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$1,800,000
MORGAN STANLEY PRIVATE BANK NA · 2.55% 1 · recorded Sep 11, 2020

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$27,697 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$2,550,207 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$1,214,487
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$1,335,720
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$2,500,204

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.48
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
95
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
39
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
17
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
89
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountySAN DIEGO
PoolWhether the property has a pool, and what kind, such as in-ground.Yes

Transaction History(6)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
La Costa Canyon High SchoolA
High · Grades 9–12 · 1.7 mi
E
Olivenhain Pioneer Elementary SchoolA+
Elementary · Grades KG–6 · 2.5 mi
M
Diegueno Middle SchoolA
Middle · Grades 7–8 · 2.8 mi

District: San Dieguito Union High School District

Neighborhood · ZIP 92024These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.88
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.103
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.281

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.40%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.7%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.52,624
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.2,722 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$143,291
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$186,965
Average tempThe average temperature here across a full year.61°F
Annual precipHow much rain and melted snow falls here in a typical year.12 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.68%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.Yes

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

3862 Rancho Summit Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 97% of homes in San Diego County
  • Costs less per square foot than 95% of homes in Encinitas 92024
  • Among the largest homes in San Diego County
  • Has a bigger lot than 77% of homes in Encinitas 92024
  • Among the newest homes in Encinitas 92024

What homes are worth in Encinitas 92024

Each bar is how many homes fall in that price range. The marker is this home.

This home
$648K$4.5M

This home is worth more than 87% of homes in Encinitas 92024.

How it measures up in Encinitas 92024

The dot is this home. The mark in the middle is the typical home in Encinitas 92024.

Estimated value$2,959,912
CheaperTypical $1,754,750Pricier

Pricier than 87% of homes nearby

Price per ft²$597
CheaperTypical $877Pricier

Pricier than 5% of homes nearby

Living area4,956 ft²
SmallerTypical 1,938 ft²Bigger

Bigger than 97% of homes nearby

Lot size1.05 ac
SmallerTypical 0.31 acBigger

Bigger than 77% of homes nearby

Year built2019
OlderTypical 1982Newer

Newer than almost all homes nearby

How 3862 Rancho Summit Dr ranks against every home in each area.
MeasureThis homeOlivenhainEncinitas 92024San Diego County
Estimated valuepricier than$2,959,91260% of homes87% of homes97% of homes
Price per ft²pricier than$5976% of homes5% of homes56% of homes
Living areabigger than4,956 ft²85% of homes97% of homesalmost all homes
Lot sizebigger than1.05 ac65% of homes77% of homes75% of homes
Year builtnewer than201997% of homesalmost all homes98% of homes

About 3862 Rancho Summit Dr

How much is 3862 Rancho Summit Dr, Encinitas, CA worth?

The TopHap Estimate for 3862 Rancho Summit Dr, Encinitas, CA is $2,959,912 as of Jul 14, 2026. The likely range is $2,673,328 to $3,246,496. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3862 Rancho Summit Dr, Encinitas, CA last sell?

3862 Rancho Summit Dr, Encinitas, CA last sold on Sep 11, 2020 for $2,250,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 3862 Rancho Summit Dr, Encinitas, CA?

3862 Rancho Summit Dr, Encinitas, CA has 4 bedrooms, 5 bathrooms and 4,956 square feet of living space.

When was 3862 Rancho Summit Dr, Encinitas, CA built?

3862 Rancho Summit Dr, Encinitas, CA was built in 2019, making it 7 years old.

What schools serve 3862 Rancho Summit Dr, Encinitas, CA?

3862 Rancho Summit Dr, Encinitas, CA is assigned to La Costa Canyon High School (high), rated A; Olivenhain Pioneer Elementary School (elementary), rated A+; Diegueno Middle School (middle), rated A. All sit in San Dieguito Union High School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3862 Rancho Summit Dr, Encinitas, CA compare to other homes in Encinitas 92024?

Among the 17,607 homes in Encinitas 92024, it is worth more than 87% of them ($2,959,912 against a typical $1,754,750), its price per square foot is higher than 5% of them ($597 against a typical $877), it is bigger than 97% of them (4,956 ft² against a typical 1,938 ft²), its lot is bigger than 77% of them (1.05 ac against a typical 0.31 ac) and it is newer than almost all of them (2019 against a typical 1982). Measured against all of San Diego County, it is worth more than 97% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 3862 Rancho Summit Dr, Encinitas, CA?

The 2025 property tax bill for 3862 Rancho Summit Dr, Encinitas, CA was $27,697. The county assessed it at $2,550,207.

Closest homes

More homes in Encinitas 92024

Assigned schools

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