2938 Rancho Cortes, Carlsbad, CA 92009 Property Records

San Diego County property record for 2938 Rancho Cortes, Carlsbad, CA 92009

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,958 sqft · built 2004
Lot Size	0.215 acres (9,369 sqft)
Owner	Company Name on File
Last Sale	$711,000 (Jul 2003)
Tax Bill	$5,534 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit Oct 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`222-661-03-00`

Property Details

APN / Parcel Number

Primary APN	`222-661-03-00`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Building Area	3,958 sqft Living Area

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Lot Area	9,369 sqft (0.215 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	2938 RANCHO CORTES
City	CARLSBAD
State	CA
Zip	92009-3036
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-C
Legal Description	LOT 181 TR 013832
Legal Subdivision	CARLSBAD COURT
Legal Tract	013832
Legal Block	2
Legal Lot Number	181
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2006
Census Tract	20031

Owner

2938 Rancho Cortes is owned by a company that acquired it in November 2020 and is owner-occupied.

Source: San Diego County records, as of July 28, 2026

Owner of Record	Company Name on File
Mailing Address	2938 RANCHO CORTES, CARLSBAD, CA 92009-3036
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

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

Deeds, Mortgages & Sale History

Date	Document
Jun 7, 2022	Deed of Trust, Mortgage · Line of Credit PENTAGON FCU
Oct 7, 2019	Deed of Trust, Mortgage · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
Feb 5, 2021	Intrafamily Transfer, Transfer ACCOMMODATION
Feb 5, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 21, 2003 · Amount on File
Deed Sale	Jul 21, 2003 · Amount on File
Deed Document Number	2003865873
Last Transfer Date	Nov 9, 2020
Transfer Doc	0000090848
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2938 RANCHO CORTES, CARLSBAD, CA 92009-3036
Transaction Type	Mortgage
Record Updated	Jun 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2938 RANCHO CORTES, CARLSBAD, CA 92009-3036

Mortgage

Document Number	0000238054
Date	Jun 7, 2022
Instrument	2022-0238054

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	MC LEAN, VA 22102

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 10, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2938 RANCHO CORTES, CARLSBAD, CA 92009-3036
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000446132
Date	Oct 7, 2019
Instrument	2019-0446132

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 5, 2021
Property Address	2938 RANCHO CORTES, CARLSBAD, CA 92009-3036
Document Number	0000090850
Map Reference	MAP 13832
Instrument Date	Nov 9, 2020
Instrument	2021-0090850
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	2938 RANCHO CORTES, CARLSBAD, CA 92009-3036

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 5, 2021
Property Address	2938 RANCHO CORTES, CARLSBAD, CA 92009-3036
Document Number	0000090848
Map Reference	MAP 13832
Instrument Date	Nov 9, 2020
Instrument	2021-0090848
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2938 RANCHO CORTES, CARLSBAD, CA 92009-3036

Mortgage

Document Number	0000090849
Date	Feb 5, 2021
Instrument	2021-0090849

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 2938 Rancho Cortes was $5,534 with a homeowner's exemption.

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	San Marcos Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$312,739 (+2%) Land $66,136 Building $246,603
2025	$5,534.00 Homeowner's exemption	$306,608 Land $64,840 Building $241,768
2023	$5,510.00 (-10.17%) Homeowner's exemption	$294,704 Land $62,323 Building $232,381
2022	$6,134.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 2938 Rancho Cortes in Zone X, an area of minimal flood risk.

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
Nearby Flood Policies	3 in force

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

Wildfire risk around 2938 Rancho Cortes is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 66% of the US · lower than 80% of California
Wildfire Likelihood	0.02% 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	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 407 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Cox Communications, San Diego Broadband, T-Mobile.

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