318 Prospect St, La Jolla, CA 92037 Property Records

San Diego County property record for 318 Prospect St, La Jolla, CA 92037

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,333 sqft · built 1982
Lot Size	0.197 acres (8,571 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,330,000 (Dec 2021)
Tax Bill	$17,604 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit Dec 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`350-400-39-01`

Property Details

APN / Parcel Number

Primary APN	`350-400-39-01`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,333 sqft Living Area

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Architectural Style	Condo/Apartment
Exterior Material	Stucco
Roof Material	Tile
Lot Area	8,571 sqft (0.197 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	318 PROSPECT ST
City	LA JOLLA
State	CA
Zip	92037-4651
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	LJPD-5
Legal Description	LOT 1 US318PER DOC80-216988&UND INT IN TR 009400
Legal Subdivision	PROSPECT FIVE
Legal Tract	009400
Legal Block	2
Legal Lot Number	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2004
Census Tract	8202

Owner

Source: San Diego County records, as of July 22, 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	318 PROSPECT ST, LA JOLLA, CA 92037-4651
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2023	Deed of Trust, Mortgage · Line of Credit UNIVERSITY CU
Dec 3, 2021	Grant Deed, Transfer · Conventional Mortgage SAN DIEGO FUNDING
Dec 9, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 3, 2021 · Amount on Record
Deed Sale	Dec 3, 2021 · Amount on Record
Prior Sale	Aug 18, 2011 · Amount on Record
Deed Document Number	2021825243
Prior Transfer Date	Apr 29, 2016
Prior Transfer Doc	0000247351
Record Updated	Sep 20, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	318 PROSPECT ST, LA JOLLA, CA 92037-4651
Transaction Type	Mortgage
Record Updated	Aug 9, 2023
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	318 PROSPECT ST, LA JOLLA, CA 92037-4651

Mortgage

Document Number	0000203873
Date	Jul 31, 2023
Instrument	2023-0203873

Lender

Name	UNIVERSITY CU
Type	Credit Union
Address	LOS ANGELES, CA 90025

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jul 30, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 3, 2021
Property Address	318 PROSPECT ST, LA JOLLA, CA 92037-4651
Document Number	0000825243
Map Reference	MAP 9400
Instrument Date	Nov 13, 2021
Instrument	2021-0825243
Transaction Type	Transfer
Record Updated	Dec 15, 2021
Title Company	WESTERN RESOURCES TITLE

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	318 PROSPECT ST, LA JOLLA, CA 92037-4651
Investor	Possibly a Property Investor

Mortgage

Document Number	0000825244
Date	Dec 3, 2021
Instrument	2021-0825244

Lender

Name	SAN DIEGO FUNDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 9, 2019
Property Address	318 PROSPECT ST, LA JOLLA, CA 92037-4651
Document Number	0000571968
Instrument Date	Dec 9, 2019
Instrument	571968
Transaction Type	Transfer
Record Updated	Dec 19, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	318 PROSPECT ST LA JOLLA CA 920374651, LA JOLLA, CA 92037-4651

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 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		$1,439,632 (+2%) Land $1,190,674 Building $248,958
2025	$17,604.00 (+6.28%) Homeowner's exemption	$1,411,405 (+4.04%) Land $1,167,328 Building $244,077
2023	$16,564.00 (+2.74%) Homeowner's exemption	$1,356,600 Land $1,122,000 Building $234,600
2022	$16,122.00

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 VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 16 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	67 units insured incl. 51 condo units
Nearby Flood Claims	1 (2025)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2025 · rainfall accumulation

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	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 481 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 / 1,000
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks, Verizon.

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