2655 Ocean St, Carlsbad, CA 92008 Property Records

San Diego County property record for 2655 Ocean St, Carlsbad, CA 92008

Property Summary

Property Type	Duplex
Details	3 bd · 3.5 ba · 3,392 sqft · built 2001
Lot Size	0.155 acres (6,750 sqft)
Owner	Company Name on Record
Tax Bill	$19,603 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit May 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`203-140-37-02`

Property Details

APN / Parcel Number

Primary APN	`203-140-37-02`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	3,392 sqft Living Area

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Duplex Single
Lot Area	6,750 sqft (0.155 acres)
View / Lot	Ocean
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	2655 OCEAN ST
City	CARLSBAD
State	CA
Zip	92008-2238
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R-3
Legal Description	PAR 1 US 2 PER DOC00-297180&UND INT IN TR PM18120
Legal Subdivision	OCEAN STREET R
Legal Tract	1018120
Legal Lot Number	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1004
Census Tract	18000

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	Company Name on Record
Mailing Address	655 INDIA ST, 321, SAN DIEGO, CA 92101-6756
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2022	Deed of Trust, Mortgage · Line of Credit US BANK NA
May 2, 2022	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Apr 24, 2018	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Apr 24, 2018	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Apr 28, 2015
Transfer Doc	0000262693
Record Updated	Sep 20, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2655 OCEAN ST, CARLSBAD, CA 92008-2238
Transaction Type	Mortgage
Record Updated	Oct 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2655 OCEAN ST, CARLSBAD, CA 92008-2238

Mortgage

Document Number	0000383624
Date	Sep 30, 2022
Instrument	2022-0383624

Lender

Name	US BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2655 OCEAN ST, CARLSBAD, CA 92008-2238
Transaction Type	Mortgage
Record Updated	May 10, 2022
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	655 INDIA ST, SAN DIEGO, CA 92101-6753

Mortgage

Document Number	0000190268
Date	May 2, 2022
Instrument	2022-0190268

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	May 1, 2032
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	7.87%
Index	1-Year CMT
Max Rate	7.87%

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2655 OCEAN ST, CARLSBAD, CA 92008-2238
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000161733
Date	Apr 24, 2018
Instrument	2018-0161733

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	May 19, 2048

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2655 OCEAN ST, CARLSBAD, CA 92008-2238
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000161732
Date	Apr 24, 2018
Instrument	2018-0161732

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2048

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	Carlsbad City
Unified School District	Carlsbad Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,850,146 (+2%) Land $1,256,132 Building $594,014
2025	$19,603.00 (+4.06%)	$1,813,869 (+4.04%) Land $1,231,502 Building $582,367
2023	$18,839.00 (+1.57%)	$1,743,436 Land $1,183,682 Building $559,754
2022	$18,548.00

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 13 individual policies
Nearby Flood Policies	25 units insured incl. 12 condo units
Nearby Flood Claims	26 (1983–2024)
Claims Outside the SFHA	25 of 26
Most Recent Claim	Feb 2024 · Severe Storms And Flooding
Claims by Event	Severe Storms, High Tides & Flooding, Jan 1988 · 20 claims Coastal Storms, Floods, Slides & Tornadoes, Jan 1983 · 3 claims

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	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 132 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 35
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

May also be available: Astound Broadband, Cox Communications, GeoLinks.

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