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Single Family ResidenceResidential
$1,571,548$793 / 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 95How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026

640 CERRO ST

ENCINITAS, CA 92024
4
Beds
2
Baths
1,983 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.
0.36 ac
Lot SizeThe size of the land the home sits on, from county records.
1976
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$1.6M
$1.5M low$1.7M high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,927 (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.$217,864 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$103,933
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$113,931
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$213,594

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.28
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
1
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
38
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
11
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
Lot (acres)The size of the land the home sits on, from county records.0.36
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Wood Shingle
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Carport (Unspecified)
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(2)

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.

M
Oak Crest Middle SchoolB
Middle · Grades 7–8 · 0.8 mi
E
Ocean Knoll Elementary SchoolB
Elementary · Grades KG–6 · 1.0 mi
H
La Costa Canyon High SchoolA
High · Grades 9–12 · 3.1 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%

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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

640 Cerro St 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 84% of homes in San Diego County
  • Costs more per square foot than 84% of homes in San Diego County
  • Bigger than 71% of homes in San Diego County
  • Older than 66% of homes in San Diego County

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
$665K$4.8M

This home is worth more than 32% 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$1,571,548
CheaperTypical $1,869,793Pricier

Pricier than 32% of homes nearby

Price per ft²$793
CheaperTypical $922Pricier

Pricier than 20% of homes nearby

Living area1,983 ft²
SmallerTypical 1,947 ft²Bigger

Bigger than 53% of homes nearby

Lot size0.36 ac
SmallerTypical 0.31 acBigger

Bigger than 53% of homes nearby

Year built1976
OlderTypical 1983Newer

Newer than 36% of homes nearby

How 640 Cerro St ranks against every home in each area.
MeasureThis homeNew EncinitasEncinitas 92024San Diego County
Estimated valuepricier than$1,571,54848% of homes32% of homes84% of homes
Price per ft²pricier than$79323% of homes20% of homes84% of homes
Living areabigger than1,983 ft²67% of homes53% of homes71% of homes
Lot sizebigger than0.36 ac62% of homes53% of homes57% of homes
Year builtnewer than197637% of homes36% of homes34% of homes

About 640 Cerro St

How much is 640 Cerro St, Encinitas, CA worth?

The TopHap Estimate for 640 Cerro St, Encinitas, CA is $1,571,548 as of Sep 24, 2026. The likely range is $1,491,493 to $1,651,603. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 640 Cerro St, Encinitas, CA last sell?

640 Cerro St, Encinitas, CA last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 640 Cerro St, Encinitas, CA?

640 Cerro St, Encinitas, CA has 4 bedrooms, 2 bathrooms, 1,983 square feet of living space and a 0.36-acre lot.

When was 640 Cerro St, Encinitas, CA built?

640 Cerro St, Encinitas, CA was built in 1976, making it 50 years old. The building has 1 story.

What schools serve 640 Cerro St, Encinitas, CA?

640 Cerro St, Encinitas, CA is assigned to Oak Crest Middle School (middle), rated B; Ocean Knoll Elementary School (elementary), rated B; La Costa Canyon High School (high), 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 640 Cerro St, Encinitas, CA compare to other homes in Encinitas 92024?

Among the 17,593 homes in Encinitas 92024, it is worth more than 32% of them ($1,571,548 against a typical $1,869,793), its price per square foot is higher than 20% of them ($793 against a typical $922), it is bigger than 53% of them (1,983 ft² against a typical 1,947 ft²), its lot is bigger than 53% of them (0.36 ac against a typical 0.31 ac) and it is newer than 36% of them (1976 against a typical 1983). Measured against all of San Diego County, it is worth more than 84% 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 640 Cerro St, Encinitas, CA?

The 2025 property tax bill for 640 Cerro St, Encinitas, CA was $2,927. The county assessed it at $217,864.

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