2585 Ridgegate Row, La Jolla, CA 92037 Property Records

San Diego County property record for 2585 Ridgegate Row, La Jolla, CA 92037

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,736 sqft · built 2001
Lot Size	0.51 acres (22,216 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,100,000 (Sep 2021)
Tax Bill	$27,831 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Oct 2018 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`358-703-34-00`

Property Details

APN / Parcel Number

Primary APN	`358-703-34-00`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	3,736 sqft Living Area

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Lot Area	22,216 sqft (0.51 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	2585 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 158 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 July 28, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2585 RIDGEGATE ROW, LA JOLLA, CA 92037-0930
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2021	Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Oct 25, 2018	Deed of Trust, Mortgage · Line of Credit EAST WEST BANK
Apr 2, 2018	Deed of Trust, Mortgage · ARM EAST WEST BANK
Nov 30, 2020	Deed of Trust, Mortgage · Line of Credit EAST WEST BANK
Feb 3, 2017	Grant Deed, Transfer · Conventional Mortgage COASTAL ENDOCRINE MPPP/TR (CT)

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 21, 2021 · Amount on Record
Deed Sale	Sep 21, 2021 · Amount on Record
Prior Sale	Feb 3, 2017 · Amount on Record
Deed Document Number	2021666608
Prior Transfer Date	Jul 2, 2010
Prior Transfer Doc	0000361216
Record Updated	Oct 29, 2026

September 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 21, 2021
Property Address	2585 RIDGEGATE ROW, LA JOLLA, CA 92037-0930
Document Number	0000666608
Instrument Date	Sep 20, 2021
Instrument	2021-0666608
Transaction Type	Transfer
Record Updated	Sep 29, 2021
Title Company	TICOR TITLE COMPANY/OREGON, TICOR TITLE CO ORANGE CNTY

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2585 RIDGEGATE ROW, LA JOLLA, CA 92037-0930

Mortgage

Document Number	0000666609
Date	Sep 21, 2021
Instrument	2021-0666609

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2585 RIDGEGATE ROW, LA JOLLA, CA 92037-0930
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2585 RIDGEGATE ROW, LA JOLLA, CA 92037-0930

Mortgage

Document Number	0000447139
Date	Oct 25, 2018
Instrument	2018-0447139

Lender

Name	EAST WEST BANK
Type	Bank
Address	EL MONTE, CA 91731

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 17, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2585 RIDGEGATE ROW, LA JOLLA, CA 92037-0930
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WESTERN RESOURCES TITLE COMP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000128110
Date	Apr 2, 2018
Instrument	2018-0128110

Lender

Name	EAST WEST BANK
Type	Bank
Address	EL MONTE, CA 91731

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Type Change Date	Apr 1, 2023
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	6.87%
Index	1-Year CMT
Max Rate	10.8%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2585 RIDGEGATE ROW, LA JOLLA, CA 92037-0930
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WESTERN RESOURCES TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2585 RIDGEGATE ROW, LA JOLLA, CA 92037-0930

Mortgage

Document Number	0000759612
Date	Nov 30, 2020
Instrument	2020-0759612

Lender

Name	EAST WEST BANK
Type	Bank
Address	EL MONTE, CA 91731

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 19, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 3, 2017
Property Address	2585 RIDGEGATE ROW, LA JOLLA, CA 92037-0930
Document Number	0000058680
Instrument Date	Feb 1, 2017
Instrument	58680
Transaction Type	Transfer
Record Updated	Feb 9, 2017
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,758.90
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	4158 DECORO ST #52 SAN DIEGO CA 921221430, 52, SAN DIEGO, CA 92122-1430

Mortgage

Document Number	58681
Date	Feb 3, 2017
Instrument	58681

Lender

Name	COASTAL ENDOCRINE MPPP/TR (CT)

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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		$2,299,116 (+3.17%) Land $1,369,276 Building $929,840
2025	$27,831.00 (+6.27%) Homeowner's exemption	$2,228,536 (+4.04%) Land $1,342,428 Building $886,108
2023	$26,189.00 (+2.4%)	$2,142,000 Land $1,290,300 Building $851,700
2022	$25,576.00

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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