2605 Ridgegate Row, La Jolla, CA 92037 Property Records

San Diego County property record for 2605 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	0.354 acres (15,424 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,350,000 (Sep 2004)
Tax Bill	$23,491 (2025)
Deeds & Mortgages	Jul 2021 Line of Credit Feb 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`358-703-33-00`

Property Details

APN / Parcel Number

Primary APN	`358-703-33-00`

Interior

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

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Lot Area	15,424 sqft (0.354 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	2605 RIDGEGATE ROW
City	LA JOLLA
State	CA
Zip	92037-0933
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-1-2
Legal Description	PAR 157 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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2605 RIDGEGATE ROW, LA JOLLA, CA 92037-0933
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2021	Deed of Trust, Mortgage · Line of Credit MY POINT CU SD
Feb 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Feb 2, 2017	Deed of Trust, Mortgage · Line of Credit POINT LOMA CU
Aug 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN INTERNET MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 9, 2004 · Amount on Record
Deed Sale	Sep 9, 2004 · Amount on Record
Prior Sale	Feb 2, 2001 · Amount on Record
Deed Document Number	2004858400
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2605 RIDGEGATE ROW, LA JOLLA, CA 92037-0933
Transaction Type	Mortgage
Record Updated	Jul 26, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2605 RIDGEGATE ROW, LA JOLLA, CA 92037-0933

Mortgage

Document Number	0000502126
Date	Jul 14, 2021
Instrument	2021-0502126

Lender

Name	MY POINT CU SD
Type	Credit Union
Address	SAN DIEGO, CA 92123

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jul 14, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2605 RIDGEGATE ROW, LA JOLLA, CA 92037-0933
Transaction Type	Mortgage
Record Updated	Feb 24, 2021
Title Company	WFT NATIONAL TITLE, WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2605 RIDGEGATE ROW, LA JOLLA, CA 92037-0933

Mortgage

Document Number	0000080044
Date	Feb 2, 2021
Instrument	2021-0080044

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 1, 2036

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2605 RIDGEGATE ROW, LA JOLLA, CA 92037-0933
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000054216
Date	Feb 2, 2017
Instrument	2017-0054216

Lender

Name	POINT LOMA CU
Type	Credit Union
Address	SAN DIEGO, CA 92123

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Jan 27, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly
Index	Prime Rate
Max Rate	6%

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2605 RIDGEGATE ROW, LA JOLLA, CA 92037-0933
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000439576
Date	Aug 7, 2020
Instrument	2020-0439576

Lender

Name	AMERICAN INTERNET MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2035

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		$1,919,261 (+2%) Land $1,279,508 Building $639,753
2025	$23,491.00 (+6.27%) Homeowner's exemption	$1,881,629 (+4.04%) Land $1,254,420 Building $627,209
2023	$22,104.00 (+2.74%) Homeowner's exemption	$1,808,564 Land $1,205,710 Building $602,854
2022	$21,515.00

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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