3529 Cay Dr, Carlsbad, CA 92010 Property Records

San Diego County property record for 3529 Cay Dr, Carlsbad, CA 92010

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,160 sqft · built 2001
Lot Size	0.13 acres (5,661 sqft)
Owner	2 Individual Names on File
Last Sale	$1,315,000 (Jul 2023)
Tax Bill	$15,317 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Jul 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`168-281-25-00`

Property Details

APN / Parcel Number

Primary APN	`168-281-25-00`

Interior

Bedrooms	3 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	5,661 sqft (0.13 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	3529 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 46 TR 012950
Legal Subdivision	CARLSBAD COURT
Legal Tract	012950
Legal Block	2
Legal Lot Number	46
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2000
Census Tract	19803

Owner

Source: San Diego County assessment roll, as of July 21, 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 File
Mailing Address	3529 CAY DR, CARLSBAD, CA 92010-7072
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 8, 2025	Deed of Trust, Mortgage · Conventional Mortgage RESIDENTIAL WHOLESALE MORTGAGE INC
Jul 17, 2023	Grant Deed, Transfer · Conventional Mortgage RESIDENTIAL WHOLESALE MORTGAGE INC
Sep 23, 2021	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Apr 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Nov 21, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 17, 2023 · Amount on Record
Deed Sale	Jul 17, 2023 · Amount on Record
Prior Sale	Oct 2, 2009 · Amount on Record
Deed Document Number	2023186362
Prior Transfer Date	Jun 27, 2005
Prior Transfer Doc	0000573996
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3529 CAY DR, CARLSBAD, CA 92010-7072
Transaction Type	Mortgage
Record Updated	Oct 17, 2025
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3529 CAY DR, CARLSBAD, CA 92010-7072

Mortgage

Document Number	0000281036
Date	Oct 8, 2025
Instrument	2025-0281036

Lender

Name	RESIDENTIAL WHOLESALE MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92130

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

July 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 17, 2023
Property Address	3529 CAY DR, CARLSBAD, CA 92010-7072
Document Number	0000186362
Map Reference	MAP 12950
Instrument Date	Jul 11, 2023
Instrument	2023-0186362
Transaction Type	Transfer
Record Updated	Jul 26, 2023
Title Company	CORINTHIAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	3529 CAY DR, CARLSBAD, CA 92010-7072

Mortgage

Document Number	0000186363
Date	Jul 17, 2023
Instrument	2023-0186363

Lender

Name	RESIDENTIAL WHOLESALE MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3529 CAY DR, CARLSBAD, CA 92010-7072
Transaction Type	Mortgage
Record Updated	Sep 30, 2021
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3529 CAY DR, CARLSBAD, CA 92010-7072

Mortgage

Document Number	0000670745
Date	Sep 23, 2021
Instrument	2021-0670745

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3529 CAY DR, CARLSBAD, CA 92010-7072
Transaction Type	Mortgage
Record Updated	Apr 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3529 CAY DR, CARLSBAD, CA 92010-7072

Mortgage

Document Number	0000252813
Date	Apr 1, 2021
Instrument	2021-0252813

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3529 CAY DR, CARLSBAD, CA 92010-7072
Document Number	0000581021
Instrument Date	Nov 21, 2017
Transaction Type	Mortgage
Record Updated	Aug 29, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3529 CAY DR CARLSBAD CA 920107072, CARLSBAD, CA 92010-7072

Mortgage

Document Number	0000581021
Date	Dec 13, 2017
Instrument	581021

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,368,126 (+2%) Land $988,380 Building $379,746
2025	$15,317.00 (+83.92%)	$1,341,300 (+93.4%) Land $969,000 Building $372,300
2023	$8,328.00 (+1.41%)	$693,533 (+2%) Land $372,201 Building $321,332
2022	$8,212.00	$679,935 Land $364,903 Building $315,032

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

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 USA 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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