2555 Ridgegate Row, La Jolla, CA 92037 Property Records

San Diego County property record for 2555 Ridgegate Row, La Jolla, CA 92037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,577 sqft · built 2001
Lot Size	0.461 acres (20,071 sqft)
Owner	2 Company Names on Record
Last Sale	$1,400,000 (Mar 2018)
Tax Bill	$19,879 (2025)
Deeds & Mortgages	Oct 2026 Sale Feb 2024 Line of Credit + 7 more
Flood Zone	Zone X (minimal risk)
APN	`358-703-37-00`

Property Details

APN / Parcel Number

Primary APN	`358-703-37-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,577 sqft Living Area

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Lot Area	20,071 sqft (0.461 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	2555 RIDGEGATE ROW
City	LA JOLLA
State	CA
Zip	92037-0930
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-1-2
Legal Description	PAR 161 TR PM11408
Legal Subdivision	CITY OF SAN DIEGO
Legal Tract	11408
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 October 22, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	2555 RIDGEGATE ROW, LA JOLLA, CA 92037-0930
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Oct 12, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Feb 1, 2024	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Jan 15, 2019	Deed of Trust, Mortgage · Line of Credit COMPASS BANK
Jan 15, 2019	Deed of Trust, Mortgage · Conventional Mortgage COMPASS BANK
Jun 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage BBVA USA
Mar 18, 2022	Deed of Trust, Mortgage · Commercial Mortgage THE SALK INSTITUTE FOR BIOLOGICAL STUDIE
May 14, 2019	Deed of Trust, Mortgage · Conventional Mortgage SALK INST FOR BIOLOGICAL STUDI
May 12, 2018	Deed of Trust, Mortgage · Conventional Mortgage SALK INST FOR BIOLOGICAL STUDI
Mar 23, 2018	Grant Deed, Transfer · ARM OPES ADVISORS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 23, 2018 · Amount on Record
Deed Sale	Mar 23, 2018 · Amount on Record
Prior Sale	May 24, 2004 · Amount on Record
Deed Document Number	2018116749
Prior Transfer Date	Sep 17, 2003
Prior Transfer Doc	0001231425
Record Updated	Oct 29, 2026

October 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 12, 2026
Property Address	2555 RIDGEGATE ROW, LA JOLLA, CA 92037-0930
Document Number	0000295251
Instrument Date	Aug 16, 2026
Instrument	2026295251
Transaction Type	Transfer
Record Updated	Oct 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant
Address	2555 RIDGEGATE ROW, LA JOLLA, CA 92037-0930

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2555 RIDGEGATE ROW, LA JOLLA, CA 92037-0930
Transaction Type	Mortgage
Record Updated	Feb 9, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2555 RIDGEGATE ROW, LA JOLLA, CA 92037-0930

Mortgage

Document Number	0000027913
Date	Feb 1, 2024
Instrument	2024-0027913

Lender

Name	PNC BANK NA
Type	Bank
Address	DAYTON, OH 45401

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Feb 5, 2064

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2555 RIDGEGATE ROW, LA JOLLA, CA 92037-0930
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2555 RIDGEGATE ROW, LA JOLLA, CA 92037-0930

Mortgage

Document Number	0000015251
Date	Jan 15, 2019
Instrument	2019-0015251

Lender

Name	COMPASS BANK
Type	Bank
Address	BIRMINGHAM, AL 35233

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 9, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2555 RIDGEGATE ROW, LA JOLLA, CA 92037-0930
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	CHICAGO TITLE COMPANY SD

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2555 RIDGEGATE ROW, LA JOLLA, CA 92037-0930

Mortgage

Document Number	0000015250
Date	Jan 15, 2019
Instrument	2019-0015250

Lender

Name	COMPASS BANK
Type	Bank
Address	BIRMINGHAM, AL 35233

Agreement

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

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2555 RIDGEGATE ROW, LA JOLLA, CA 92037-0930
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000313119
Date	Jun 17, 2020
Instrument	2020-0313119

Lender

Name	BBVA USA
Type	Bank
Address	BIRMINGHAM, AL 35233

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2555 RIDGEGATE ROW, LA JOLLA, CA 92037-0930
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000121768
Date	Mar 18, 2022
Instrument	2022-0121768

Lender

Name	THE SALK INSTITUTE FOR BIOLOGICAL STUDIE
Type	Non-Lending Institution
Address	LA JOLLA, CA 92037

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2555 RIDGEGATE ROW, LA JOLLA, CA 92037-0930
Document Number	0000244109
Instrument Date	May 14, 2019
Transaction Type	Mortgage
Record Updated	Jul 4, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2555 RIDGEGATE ROW LA JOLLA CA 920370930, LA JOLLA, CA 92037-0930

Mortgage

Document Number	0000244109
Date	Jun 21, 2019
Instrument	244109

Lender

Name	SALK INST FOR BIOLOGICAL STUDI
Address	10010 N TORREY PINES RD, LA JOLLA, CA 92037-1002

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jun 20, 2024

Interest

Rate Type	Adjustable Rate

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2555 RIDGEGATE ROW, LA JOLLA, CA 92037-0930
Document Number	0000201809
Instrument Date	May 12, 2018
Transaction Type	Mortgage
Record Updated	May 25, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2555 RIDGEGATE ROW LA JOLLA CA 920370930, LA JOLLA, CA 92037-0930

Mortgage

Document Number	0000201809
Date	May 18, 2018
Instrument	201809

Lender

Name	SALK INST FOR BIOLOGICAL STUDI
Address	10010 N TORREY PINES RD, LA JOLLA, CA 92037-1002

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	May 17, 2023

March 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 23, 2018
Property Address	2555 RIDGEGATE ROW, LA JOLLA, CA 92037-0930
Document Number	0000116749
Instrument Date	Mar 2, 2018
Instrument	2018-0116749
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	2555 RIDGEGATE ROW, LA JOLLA, CA 92037-0930

Mortgage

Document Number	0000116750
Date	Mar 23, 2018
Instrument	2018-0116750

Lender

Name	OPES ADVISORS
Type	Non-Lending Institution

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Type Change Date	Apr 1, 2025
Change Frequency	Annually
Min Rate At Change	3.12%
Max Rate At Change	7.12%
Index	1-Year LIBOR
Max Rate	10.1%

Mortgage

Document Number	0000116751
Date	Mar 23, 2018
Instrument	2018-0116751

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$1,624,815 (+2%) Land $928,466 Building $696,349
2025	$19,879.00 (+6.28%) Homeowner's exemption	$1,592,957 (+4.04%) Land $910,261 Building $682,696
2023	$18,705.00 (+2.74%) Homeowner's exemption	$1,531,102 Land $874,915 Building $656,187
2022	$18,206.00

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	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 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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