2445 Ridgegate Row, La Jolla, CA 92037 Property Records

San Diego County property record for 2445 Ridgegate Row, La Jolla, CA 92037

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,939 sqft · built 1998
Lot Size	0.154 acres (6,709 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,550,000 (Jan 2019)
Tax Bill	$21,578 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Jan 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`353-280-01-00`

Property Details

APN / Parcel Number

Primary APN	`353-280-01-00`
Alternative APN	`3587013500`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,939 sqft Living Area

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Lot Area	6,709 sqft (0.154 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Old Parcel Number	3587013500
Street Address	2445 RIDGEGATE ROW
City	LA JOLLA
State	CA
Zip	92037-0919
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-1-2
Legal Description	PAR 3 TR PM17852
Legal Subdivision	RIDGEGATE LA JOLLA UNIT #2
Legal Tract	1017852
Legal Block	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1000
Census Tract	8310

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	2445 RIDGEGATE ROW, LA JOLLA, CA 92037-0919
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Jan 25, 2019	Grant Deed, Transfer WORLD WIDE CREDIT
Jan 25, 2019	Quit Claim Deed, Transfer GUARDIAN TITLE COMPANY, GUARDIAN TITLE CO.

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 25, 2019 · Amount on Record
Deed Sale	Jan 25, 2019 · Amount on Record
Prior Sale	Nov 18, 1998
Deed Document Number	201928877
Prior Transfer Date	Dec 13, 2018
Prior Transfer Doc	0000028876
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2445 RIDGEGATE ROW, LA JOLLA, CA 92037-0919
Transaction Type	Mortgage
Record Updated	Jul 8, 2021
Title Company	AMROCK TITLE CALIFORNIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2445 RIDGEGATE ROW, LA JOLLA, CA 92037-0919

Mortgage

Document Number	0000475189
Date	Jun 30, 2021
Instrument	2021-0475189

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Feb 1, 2051

January 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 25, 2019
Property Address	2445 RIDGEGATE ROW, LA JOLLA, CA 92037-0919
Document Number	0000028877
Instrument Date	Jan 10, 2019
Instrument	28877
Transaction Type	Transfer
Record Updated	Feb 1, 2019
Title Company	GUARDIAN TITLE COMPANY, GUARDIAN TITLE CO.

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,705.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2445 RIDGEGATE ROW LA JOLLA CA 920370919, LA JOLLA, CA 92037-0919

Mortgage

Document Number	28878
Date	Jan 25, 2019
Instrument	28878

Lender

Name	WORLD WIDE CREDIT
Type	Funding / Finance Company
Address	SAN DIEGO, CA 92123

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 24, 2049

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 25, 2019
Property Address	2445 RIDGEGATE ROW, LA JOLLA, CA 92037-0919
Document Number	0000028876
Instrument Date	Dec 13, 2018
Instrument	28876
Transaction Type	Transfer
Record Updated	Feb 1, 2019
Title Company	GUARDIAN TITLE COMPANY, GUARDIAN TITLE CO.

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	5754 DOLPHIN PL LA JOLLA CA 920377519, LA JOLLA, CA 92037-7519

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,763,630 (+2%) Land $1,137,827 Building $625,803
2025	$21,578.00 (+6.27%) Homeowner's exemption	$1,729,050 (+4.04%) Land $1,115,517 Building $613,533
2023	$20,304.00 (+2.74%) Homeowner's exemption	$1,661,910 Land $1,072,201 Building $589,709
2022	$19,763.00

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	3 (1980–2020)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Jan 2020 · 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	Low lower than 97% of the US · lower than 97.8% of California
Wildfire Likelihood	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 323 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

May also be available: T-Mobile.

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