1405 Inspiration Dr, La Jolla, CA 92037 Property Records

San Diego County property record for 1405 Inspiration Dr, La Jolla, CA 92037

Property Summary

Property Type	Single Family Home
Details	6 bd · 7.5 ba · 9,788 sqft · built 2013
Lot Size	1.21 acres (52,708 sqft)
Owner	Company Name on File
Last Sale	$3,789,500 (Apr 2008)
Tax Bill	$94,612 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Jul 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`357-132-08-00`

Property Details

APN / Parcel Number

Primary APN	`357-132-08-00`

Interior

Bedrooms	6 Beds
Full Baths	7.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	9,788 sqft Living Area

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Lot Area	52,708 sqft
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	1405 INSPIRATION DR
City	LA JOLLA
State	CA
Zip	92037-6813
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-1-4
Legal Description	LOT 8 TR 002546
Legal Subdivision	LA JOLLA HARBOUR HEIGHTS
Legal Tract	002546
Legal Block	1
Legal Lot Number	8
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1005
Census Tract	8311

Owner

1405 Inspiration Dr is owned by a company that bought it in April 2008 and is owner-occupied.

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

Owner of Record	Company Name on File
Mailing Address	1405 INSPIRATION DR, LA JOLLA, CA 92037-6813
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

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 10, 2022	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Jul 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Mar 12, 2020	Deed of Trust, Mortgage BANK OF AMERICA
Feb 14, 2019	Deed of Trust, Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 4, 2008 · Amount on File
Deed Sale	Apr 4, 2008 · Amount on File
Deed Document Number	2008177625
Prior Transfer Date	Oct 30, 1996
Prior Transfer Doc	0000616449
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1405 INSPIRATION DR, LA JOLLA, CA 92037-6813
Transaction Type	Mortgage
Record Updated	Feb 18, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1405 INSPIRATION DR, LA JOLLA, CA 92037-6813

Mortgage

Document Number	0000062585
Date	Feb 10, 2022
Instrument	2022-0062585

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	1.75%
Type Change Date	Mar 1, 2029
Change Frequency	6 Months
Min Rate At Change	2.62%
Max Rate At Change	6.75%
Index	Other
Max Rate	6.75%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1405 INSPIRATION DR, LA JOLLA, CA 92037-6813
Transaction Type	Mortgage
Record Updated	Jul 26, 2021
Title Company	NEXTITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1405 INSPIRATION DR, LA JOLLA, CA 92037-6813

Mortgage

Document Number	0000502777
Date	Jul 14, 2021
Instrument	2021-0502777

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	1.87%
Type Change Date	Jul 1, 2026
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	3.87%
Index	Other
Max Rate	6.87%

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1405 INSPIRATION DR, LA JOLLA, CA 92037-6813
Document Number	0000187989
Instrument Date	Mar 12, 2020
Transaction Type	Mortgage
Record Updated	Apr 29, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1405 INSPIRATION DR LA JOLLA CA 920376813, LA JOLLA, CA 92037-6813

Mortgage

Document Number	0000187989
Date	Apr 14, 2020
Instrument	187989

Lender

Name	BANK OF AMERICA
Type	Bank
Address	101 S TRYON ST, CHARLOTTE, NC 28280-0002

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 13, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.12%

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1405 INSPIRATION DR, LA JOLLA, CA 92037-6813
Document Number	0000067907
Instrument Date	Feb 14, 2019
Transaction Type	Mortgage
Record Updated	Mar 5, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1405 INSPIRATION DR LA JOLLA CA 920376813, LA JOLLA, CA 92037-6813

Mortgage

Document Number	0000067907
Date	Feb 26, 2019
Instrument	67907

Lender

Name	BANK OF AMERICA
Type	Bank
Address	101 S TRYON ST, CHARLOTTE, NC 28280-0002

Agreement

Amount	Amount on Record
Term	360 Months
Due	Feb 25, 2049

Interest

Rate Type	Adjustable Rate
Rate	2.37%

Tax Assessment & Valuation

The 2025 property tax bill for 1405 Inspiration Dr was $94,612 with a homeowner's exemption.

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		$7,674,488 (+2%) Land $4,461,500 Building $3,212,988
2025	$94,612.00 Homeowner's exemption	$7,524,009 Land $4,374,020 Building $3,149,989
2023	$88,549.00 (+2.73%) Homeowner's exemption	$7,231,844 Land $4,204,172 Building $3,027,672
2022	$86,192.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 1405 Inspiration Dr in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1980.

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 File median of 17 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	17 in force
Nearby Flood Claims	8 (1980–2001)
Claims Outside the SFHA	5 of 8
Most Recent Claim	Jan 2001 · tidal / storm surge
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 3 claims

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

Wildfire risk around 1405 Inspiration Dr is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 98.4% 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	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 364 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: AT&T, T-Mobile, Verizon.

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