3518 Calle Gavanzo, Carlsbad, CA 92009 Property Records

San Diego County property record for 3518 Calle Gavanzo, Carlsbad, CA 92009

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,925 sqft · built 1988
Lot Size	0.241 acres (10,511 sqft)
Owner	2 Individual Names on File
Last Sale	$1,650,000 (Jan 2023)
Tax Bill	$19,145 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Sep 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`223-372-26-00`

Property Details

APN / Parcel Number

Primary APN	`223-372-26-00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,925 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Conventional
Exterior Material	Stucco
Roof Material	Tile
Lot Area	10,511 sqft (0.241 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3518 CALLE GAVANZO
City	CARLSBAD
State	CA
Zip	92009-8636
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-C
Legal Description	LOT 41 TR 011575
Legal Subdivision	CARLSBAD COURT
Legal Tract	011575
Legal Block	4
Legal Lot Number	41
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	4
Census Block	4017
Census Tract	17109

Owner

3518 Calle Gavanzo is owned and occupied by two individuals who bought it in January 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	3518 CALLE GAVANZO, CARLSBAD, CA 92009-8636
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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
Apr 13, 2026	Deed of Trust, Mortgage · Line of Credit USC CREDIT UNION
Sep 30, 2025	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 19, 2023	Grant Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 19, 2023 · Amount on File
Deed Sale	Jan 19, 2023 · Amount on File
Prior Sale	Aug 29, 2003 · Amount on File
Deed Document Number	202313940
Prior Transfer Date	May 26, 2015
Prior Transfer Doc	0000286365
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 13, 2026
Property Address	3518 CALLE GAVANZO, CARLSBAD, CA 92009-8636
Document Number	0000100921
Instrument Date	Mar 30, 2026
Instrument	2026100921
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property, 149
Address	3518 CALLE GAVANZO, CARLSBAD, CA 92009-8636

Mortgage

Document Number	0000100921,
Date	Apr 13, 2026
Instrument	2026100921

Lender

Name	USC CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate	5.98%
Max Rate	-1%

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3518 CALLE GAVANZO, CARLSBAD, CA 92009-8636
Transaction Type	Mortgage
Record Updated	Oct 8, 2025
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3518 CALLE GAVANZO, CARLSBAD, CA 92009-8636

Mortgage

Document Number	0000271609
Date	Sep 30, 2025
Instrument	2025-0271609

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

January 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 19, 2023
Property Address	3518 CALLE GAVANZO, CARLSBAD, CA 92009-8636
Document Number	0000013940
Map Reference	MAP 11575
Instrument Date	Dec 21, 2022
Instrument	2023-0013940
Transaction Type	Transfer
Record Updated	Jan 30, 2023
Title Company	LAWYERS TITLE

Transaction

Amount	Amount on Record
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	Community Property
Address	3518 CALLE GAVANZO, CARLSBAD, CA 92009-8636

Mortgage

Document Number	0000013941
Date	Jan 19, 2023
Instrument	2023-0013941

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Type Change Date	Feb 1, 2030
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	11.5%
Index	Other
Max Rate	11.5%

Tax Assessment & Valuation

The 2025 property tax bill for 3518 Calle Gavanzo was $19,145, up 3.9% from the year before.

Source: San Diego County assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Municipality	Carlsbad City
Elementary School District	Encinitas Union Elementary School District (KG - 06)
Secondary School District	San Dieguito Union High School District (07 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,750,993 (+2%) Land $1,326,510 Building $424,483
2025	$19,145.00 (+3.9%)	$1,716,660 Land $1,300,500 Building $416,160
2024	$18,426.00 (+87.01%)
2023	$9,853.00 (+2.36%) Homeowner's exemption	$888,270 Land $409,972 Building $478,298
2022	$9,626.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 3518 Calle Gavanzo 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 3518 Calle Gavanzo 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	Direct burnable vegetation

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	OLIVENHAIN MWD serves 86,458 people · EPA ID CA3710029
Water Source	Purchased surface water from several systems
Last State Inspection	May 2024
Lead	Under 1 ppb (2023–2025) 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 339 locations within half a mile, as of December 31, 2025

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

May also be available: GeoLinks, San Diego Broadband, Verizon.

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