3541 Cay Dr, Carlsbad, CA 92010 Property Records

San Diego County property record for 3541 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	0.115 acres (4,991 sqft)
Owner	Company Name on Record
Last Sale	$684,500 (Sep 2015)
Tax Bill	$9,995 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`168-281-28-00`

Property Details

APN / Parcel Number

Primary APN	`168-281-28-00`

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	4,991 sqft (0.115 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	3541 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 49 TR 012950
Legal Subdivision	CARLSBAD COURT
Legal Tract	012950
Legal Block	2
Legal Lot Number	49
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	3541 CAY DR, CARLSBAD, CA 92010-7072
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2022	Deed of Trust, Mortgage · Line of Credit US BANK NA
May 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage GOLDEN EMPIRE MORTGAGE INC
Mar 19, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 28, 2015 · Amount on Record
Deed Sale	Sep 28, 2015 · Amount on Record
Prior Sale	Oct 30, 2013 · Amount on Record
Deed Document Number	2015508604
Last Transfer Date	Mar 13, 2018
Transfer Doc	0000106682
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3541 CAY DR, CARLSBAD, CA 92010-7072
Transaction Type	Mortgage
Record Updated	Dec 7, 2022
Title Company	RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3541 CAY DR, CARLSBAD, CA 92010-7072

Mortgage

Document Number	0000451860
Date	Nov 29, 2022
Instrument	2022-0451860

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 8, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3541 CAY DR, CARLSBAD, CA 92010-7072
Transaction Type	Mortgage
Record Updated	Jun 2, 2021
Title Company	CHICAGO TITLE COMPANY-SD, CHICAGO TITLE COMPANY SD

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3541 CAY DR, CARLSBAD, CA 92010-7072

Mortgage

Document Number	0000384780
Date	May 20, 2021
Instrument	2021-0384780

Lender

Name	GOLDEN EMPIRE MORTGAGE INC
Type	Mortgage Company
Address	BAKERSFIELD, CA 93309

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jun 1, 2041

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 19, 2018
Property Address	3541 CAY DR, CARLSBAD, CA 92010-7072
Document Number	0000106682
Instrument Date	Mar 13, 2018
Instrument	106682
Transaction Type	Transfer
Record Updated	Mar 23, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	3541 CAY DR CARLSBAD CA 920107072, CARLSBAD, CA 92010-7072

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		$871,771 (+2%) Land $320,235 Building $551,536
2025	$9,995.00 (+3.77%) Homeowner's exemption	$854,678 (+4.04%) Land $313,956 Building $540,722
2023	$9,632.00 (+1.44%) Homeowner's exemption	$821,491 Land $301,765 Building $519,726
2022	$9,495.00

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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