1646 Lugano Ln, Del Mar, CA 92014 Property Records

San Diego County property record for 1646 Lugano Ln, Del Mar, CA 92014

Property Summary

Property Type	Single Family Home
Details	5 bd · 5.5 ba · 5,589 sqft · built 2010
Lot Size	1.18 acres (51,836 sqft)
Owner	Company Name on File
Last Sale	$2,700,000 (Jul 2015)
Tax Bill	$40,771 (2025)
Deeds & Mortgages	Jan 2019 Mortgage Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`302-010-25-00`

Property Details

APN / Parcel Number

Primary APN	`302-010-25-00`

Interior

Bedrooms	5 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	5,589 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Contemporary
Exterior Material	Wood Siding
Roof Material	Gravel
Lot Area	51,836 sqft
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	1646 LUGANO LN
City	DEL MAR
State	CA
Zip	92014-4126
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	SEC 31-13-3W 1.19 AC M/L IN LOT 5 SEC 6-14-3W & IN LOT 4 OF
Legal Range	03W
Legal Township	13
Legal Section	31
Legal Block	2
Legal Lot Number	5,4
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2004
Census Tract	17306

Owner

1646 Lugano Ln is owned by a company that bought it in July 2015.

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

Owner of Record	Company Name on File
Mailing Address	1646 LUGANO LN, DEL MAR, CA 92014-4126
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
Jan 22, 2019	Deed of Trust, Mortgage · ARM GOLDMAN SACHS BANK USA
Oct 8, 2019	Deed of Trust, Mortgage · Conventional Mortgage GOLDMAN SACHS BANK USA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 22, 2015 · Amount on File
Deed Sale	Jul 22, 2015 · Amount on File
Prior Sale	May 18, 2009 · Amount on File
Deed Document Number	2015386588
Prior Transfer Date	Oct 12, 1993
Prior Transfer Doc	0000735097
Record Updated	Oct 29, 2026

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1646 LUGANO LN, DEL MAR, CA 92014-4126
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021573
Date	Jan 22, 2019
Instrument	2019-0021573

Lender

Name	GOLDMAN SACHS BANK USA
Type	Bank
Address	NEW YORK, NY 10282

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.7%
Type Change Date	Feb 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.7%
Index	1-Year LIBOR
Max Rate	8.7%

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1646 LUGANO LN, DEL MAR, CA 92014-4126
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000448200
Date	Oct 8, 2019
Instrument	2019-0448200

Lender

Name	GOLDMAN SACHS BANK USA
Type	Bank
Address	NEW YORK, NY 10282

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.1%
Type Change Date	Nov 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.1%
Index	1-Year LIBOR
Max Rate	8.1%

Tax Assessment & Valuation

The 2025 property tax bill for 1646 Lugano Ln was $40,771.

Source: San Diego County assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Secondary School District	San Dieguito Union High School District (07 - 12)
Elementary School District	Solana Beach Elementary School District (KG - 06)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$3,901,908 (+2%) Land $2,432,012 Building $1,469,896
2025	$40,771.00	$3,825,401 Land $2,384,326 Building $1,441,075
2023	$39,126.00 (+1.6%)	$3,676,858 Land $2,291,741 Building $1,385,117
2022	$38,510.00

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

Flood

FEMA maps place 1646 Lugano Ln in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1998.

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (1998–2010)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jan 2010 · river or lake flooding

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 1646 Lugano Ln is low, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 78% of California
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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	SANTA FE I.D. serves 21,539 people · EPA ID CA3710023
Water Source	Surface water
Last State Inspection	Jun 2024
Lead	2 ppb (2023–2025) 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 158 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
San Diego Broadband Fixed Wireless	500 / 100
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

May also be available: FiberFirst, Ting.

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