3521 Cay Dr, Carlsbad, CA 92010 Property Records

San Diego County property record for 3521 Cay Dr, Carlsbad, CA 92010

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,160 sqft · built 2001
Lot Size	0.149 acres (6,499 sqft)
Owner	Company Name on Record
Last Sale	$927,500 (Jan 2021)
Tax Bill	$11,604 (2025)
Deeds & Mortgages	Jan 2021 Sale & Mortgage Aug 2019 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`168-281-23-00`

Property Details

APN / Parcel Number

Primary APN	`168-281-23-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,160 sqft Living Area

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Lot Area	6,499 sqft (0.149 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	3521 CAY DR
City	CARLSBAD
State	CA
Zip	92010-7072
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-C
Legal Description	LOT 44 TR 012950
Legal Subdivision	CARLSBAD COURT
Legal Tract	012950
Legal Block	2
Legal Lot Number	44
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2000
Census Tract	19803

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	3521 CAY DR, CARLSBAD, CA 92010-7072
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 7, 2021	Grant Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
Aug 30, 2019	Quit Claim Deed, Transfer LAWYERS TITLE-SD
Aug 30, 2019	Intrafamily Transfer, Transfer · ARM HOMEXPRESS MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 7, 2021 · Amount on Record
Deed Sale	Jan 7, 2021 · Amount on Record
Prior Sale	Apr 29, 2016
Deed Document Number	202111111
Prior Transfer Date	Aug 21, 2019
Prior Transfer Doc	0000376571
Record Updated	Oct 29, 2026

January 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 7, 2021
Property Address	3521 CAY DR, CARLSBAD, CA 92010-7072
Document Number	0000011111
Map Reference	MAP 12950
Instrument Date	Dec 30, 2020
Instrument	2021-0011111
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	TICOR TITLE CO SAN DIEGO

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	Living Trust
Address	3521 CAY DR, CARLSBAD, CA 92010-7072

Mortgage

Document Number	0000011112
Date	Jan 7, 2021
Instrument	2021-0011112

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 30, 2019
Property Address	3521 CAY DR, CARLSBAD, CA 92010-7072
Document Number	0000376571
Instrument Date	Aug 21, 2019
Instrument	376571
Transaction Type	Transfer
Record Updated	Sep 10, 2019
Title Company	LAWYERS TITLE-SD

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3521 CAY DR CARLSBAD CA 920107072, CARLSBAD, CA 92010-7072

August 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 30, 2019
Property Address	3521 CAY DR, CARLSBAD, CA 92010-7072
Document Number	0000376569
Map Reference	MAP 12950
Instrument Date	Aug 21, 2019
Instrument	2019-0376569
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	LAWYERS TITLE SD

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	3521 CAY DR, CARLSBAD, CA 92010-7072

Mortgage

Document Number	0000376570
Date	Aug 30, 2019
Instrument	2019-0376570

Lender

Name	HOMEXPRESS MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Type Change Date	Sep 1, 2024
Change Frequency	Annually
Min Rate At Change	6.5%
Max Rate At Change	8.5%
Index	1-Year LIBOR
Max Rate	11.5%

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		$1,024,029 (+2%) Land $593,416 Building $430,613
2025	$11,604.00 (+3.8%) Homeowner's exemption	$1,003,951 (+4.04%) Land $581,781 Building $422,170
2023	$11,179.00 (+1.46%) Homeowner's exemption	$964,969 Land $559,191 Building $405,778
2022	$11,018.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 80% of the US · lower than 88% of California
Wildfire Likelihood	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	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 498 locations within half a mile, as of December 31, 2025

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

May also be available: Cox Communications.

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