1040 Garnet Ave, San Diego, CA 92109 Property Records

San Diego County property record for 1040 Garnet Ave, San Diego, CA 92109

Property Summary

Property Type	Mixed Use Store/Office
Details	2,600 sqft · built 1977
Lot Size	0.72 acres (3,120 sqft)
Owner	Company Name on Record
Last Sale	$1,219,000 (Oct 2017)
Tax Bill	$23,098 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Jan 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`415-613-22-00`

Property Details

APN / Parcel Number

Primary APN	`415-613-22-00`

Interior

Stories	1 Story
Building Area	2,600 sqft Total Area

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Concrete Block
Roof Type	Flat
Roof Material	Composition Shingle
Lot Area	3,120 sqft (0.72 acres)
Garage Type	Open
Garage Area	500 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	1040 GARNET AVE
City	SAN DIEGO
State	CA
Zip	92109-2833
Property Category	Commercial
Property Type	Commercial > Retail > Mixed Use Store/Office
Local Zoning Code	CC-4-2
Legal Description	BLK 196 LOT 30 TR 000791
Legal Subdivision	PACIFIC BEACH
Legal Tract	000791
Legal Block	196
Legal Lot Number	30
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2014
Census Tract	7905

Owner

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

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

Owner of Record	Company Name on Record
Mailing Address	9820 WILLOW CREEK RD, 100, SAN DIEGO, CA 92131-1114
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2021	Deed of Trust, Mortgage · Commercial Mortgage BANK OF AMERICA NA
Jan 4, 2021	Quit Claim Deed, Transfer ATTORNEY ONLY
Jul 9, 2019	Affidavit of Death, Transfer ATTORNEY ONLY
Oct 16, 2017	Grant Deed, Transfer · Commercial Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 16, 2017 · Amount on Record
Deed Sale	Oct 16, 2017 · Amount on Record
Prior Sale	Jan 30, 1998 · Amount on Record
Deed Document Number	2017479188
Prior Transfer Date	Nov 21, 1997
Prior Transfer Doc	0000592266
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1040 GARNET AVE, SAN DIEGO, CA 92109-2833
Transaction Type	Mortgage
Record Updated	Aug 10, 2021
Title Company	CHICAGO TITLE COMPANY-SD, CHICAGO TITLE COMPANY SD

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6435 CAMINITO BLYTHEFIELD C, C, LA JOLLA, CA 92037-5851

Mortgage

Document Number	0000546177
Date	Jul 30, 2021
Instrument	2021-0546177

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 4, 2021
Property Address	1040 GARNET AVE, SAN DIEGO, CA 92109-2833
Document Number	0000000606
Instrument Date	Dec 22, 2020
Instrument	606
Transaction Type	Transfer
Record Updated	Jan 13, 2021
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6435 CAMINITO BLYTHEFIELD #C LA JOLLA CA 920375851, C, LA JOLLA, CA 92037-5851

July 2019: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 9, 2019
Property Address	1040 GARNET AVE, SAN DIEGO, CA 92109-2833
Document Number	0000272430
Instrument Date	Jul 1, 2019
Instrument	272430
Transaction Type	Transfer
Record Updated	Mar 26, 2020
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1040 GARNET AVE SAN DIEGO CA 921092833, SAN DIEGO, CA 92109-2833

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 16, 2017
Property Address	1040 GARNET AVE, SAN DIEGO, CA 92109-2833
Document Number	0000479188
Map Reference	MAP697
Instrument Date	Aug 2, 2017
Instrument	2017-0479188
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	STEWART TITLE OF CALIFORNIA

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	Family Trust
Address	6435 CAMINITO BLYTHEFIELD STE D, D, LA JOLLA, CA 92037-5851

Mortgage

Document Number	0000479189
Date	Oct 16, 2017
Instrument	2017-0479189

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

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	San Diego City
Unified School District	San Diego City Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,876,935 (+2%) Land $1,545,712 Building $331,223
2025	$23,098.00 (+3.91%)	$1,840,133 (+4.04%) Land $1,515,404 Building $324,729
2024	$22,228.00 (+2.26%)
2023	$21,736.00 (+2.73%)	$1,768,680 Land $1,456,560 Building $312,120
2022	$21,159.00

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
Nearby Flood Claims	7 (2003–2004)
Claims Outside the SFHA	7 of 7
Most Recent Claim	Oct 2004 · other causes

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	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	CITY OF SAN DIEGO serves 1,408,937 people · EPA ID CA3710020
Water Source	Surface water
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2024–2026) 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 558 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: T-Mobile, Verizon.

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