2315 Terraza Ribera, Carlsbad, CA 92009 Property Records

San Diego County property record for 2315 Terraza Ribera, Carlsbad, CA 92009

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,372 sqft · built 1991
Lot Size	0.121 acres (5,272 sqft)
Owner	2 Individual Names on Record
Last Sale	$735,000 (Jun 2015)
Tax Bill	$10,371 (2025)
Deeds & Mortgages	Aug 2019 Mortgage Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`215-581-34-00`

Property Details

APN / Parcel Number

Primary APN	`215-581-34-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,372 sqft Living Area

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Lot Area	5,272 sqft (0.121 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	2315 TERRAZA RIBERA
City	CARLSBAD
State	CA
Zip	92009-6630
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD-M
Legal Description	LOT 230 TR 012325
Legal Subdivision	CARLSBAD COURT
Legal Tract	012325
Legal Block	3
Legal Lot Number	230
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3001
Census Tract	20033

Owner

Source: San Diego County records, as of July 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2315 TERRAZA RIBERA, CARLSBAD, CA 92009-6630
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 16, 2019	Deed of Trust, Mortgage · Conventional Mortgage OWNING CORPORATION
Nov 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage OWNING CORPORATION
Sep 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage INDEPENDENT FINANCIAL SERVICES GROUP INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 16, 2015 · Amount on Record
Deed Sale	Jun 16, 2015 · Amount on Record
Prior Sale	Jul 10, 2002 · Amount on Record
Deed Document Number	2015311675
Prior Transfer Date	Jun 15, 2015
Prior Transfer Doc	0000311674
Record Updated	Sep 20, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2315 TERRAZA RIBERA, CARLSBAD, CA 92009-6630
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ORANGE COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000348476
Date	Aug 16, 2019
Instrument	2019-0348476

Lender

Name	OWNING CORPORATION
Type	Non-Lending Institution
Address	ORANGE, CA 92868

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2315 TERRAZA RIBERA, CARLSBAD, CA 92009-6630
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2315 TERRAZA RIBERA, CARLSBAD, CA 92009-6630

Mortgage

Document Number	0000692927
Date	Nov 6, 2020
Instrument	2020-0692927

Lender

Name	OWNING CORPORATION
Type	Non-Lending Institution
Address	ORANGE, CA 92868

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2035

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2315 TERRAZA RIBERA, CARLSBAD, CA 92009-6630
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2315 TERRAZA RIBERA, CARLSBAD, CA 92009-6630

Mortgage

Document Number	0000521930
Date	Sep 9, 2020
Instrument	2020-0521930

Lender

Name	INDEPENDENT FINANCIAL SERVICES GROUP INC
Type	Mortgage Company
Address	LAKE FOREST, CA 92630

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2035

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 2026

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Municipality	Carlsbad City
Unified School District	San Marcos Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$901,015 (+2%) Land $424,227 Building $476,788
2025	$10,371.00 (+8.77%) Homeowner's exemption	$883,349 (+4.04%) Land $415,909 Building $467,440
2023	$9,535.00 (+2.11%) Homeowner's exemption	$849,049 Land $399,759 Building $449,290
2022	$9,338.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	CARLSBAD MWD serves 96,371 people · EPA ID CA3710005
Water Source	Purchased surface water from several systems
Last State Inspection	Sep 2023
Lead	Under 1 ppb (2022–2024) 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 418 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL	100 / 20

May also be available: GeoLinks.

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