3547 Cay Dr, Carlsbad, CA 92010 Property Records

San Diego County property record for 3547 Cay Dr, Carlsbad, CA 92010

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,017 sqft · built 2001
Lot Size	0.162 acres (7,062 sqft)
Owner	Individual Name on Record
Tax Bill	$10,050 (2025)
Deeds & Mortgages	Jul 2023 Mortgage Sep 2021 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`168-280-15-00`

Property Details

APN / Parcel Number

Primary APN	`168-280-15-00`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	2,017 sqft Living Area

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Lot Area	7,062 sqft (0.162 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	3547 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 15 TR 012950
Legal Subdivision	CALAVERA HILLS VI
Legal Tract	012950
Legal Block	2
Legal Lot Number	15
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 September 28, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3547 CAY DR, CARLSBAD, CA 92010-7072
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 12, 2023	Deed of Trust, Mortgage · Commercial Mortgage SPRING EQ LLC
Sep 16, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage CELEBRITY HOME LOANS LLC
Mar 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Dec 6, 2017	Deed of Trust, Mortgage · VA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Jul 14, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Oct 22, 2019	Quit Claim Deed, Transfer NORTH AMERICAN TITLE
Oct 22, 2019	Intrafamily Transfer, Transfer · VA Mortgage FLAGSTAR BANK FSB
Jan 9, 2017	Grant Deed, Transfer · VA Mortgage FIRST CHOICE LN SVCS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 22, 2019
Deed Sale	Oct 22, 2019
Prior Sale	Jan 9, 2017 · Amount on Record
Deed Document Number	2019475875
Last Transfer Date	Sep 11, 2021
Transfer Doc	0000656796
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3547 CAY DR, CARLSBAD, CA 92010-7072
Transaction Type	Mortgage
Record Updated	Jul 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3547 CAY DR, CARLSBAD, CA 92010-7072

Mortgage

Document Number	0000181319
Date	Jul 12, 2023
Instrument	2023-0181319

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	WAYNE, PA 19087

Agreement

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

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 16, 2021
Property Address	3547 CAY DR, CARLSBAD, CA 92010-7072
Document Number	0000656796
Map Reference	MAP 12950
Instrument Date	Sep 11, 2021
Instrument	2021-0656796
Transaction Type	Transfer
Record Updated	Sep 27, 2021
Title Company	PREMIUM TITLE/CA INC, PREMIUM TITLE OF CA INC

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
Address	3547 CAY DR, CARLSBAD, CA 92010-7072

Mortgage

Document Number	0000656797
Date	Sep 16, 2021
Instrument	2021-0656797

Lender

Name	CELEBRITY HOME LOANS LLC
Type	Non-Lending Institution

Agreement

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

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3547 CAY DR, CARLSBAD, CA 92010-7072
Transaction Type	Mortgage
Record Updated	Mar 17, 2021
Title Company	CALIFORNIA TITLE COMPANY, CALIFORNIA MEMBERS TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3547 CAY DR, CARLSBAD, CA 92010-7072

Mortgage

Document Number	0000180237
Date	Mar 8, 2021
Instrument	2021-0180237

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

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

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3547 CAY DR, CARLSBAD, CA 92010-7072
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	BOSTON NATIONAL TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000567238
Date	Dec 6, 2017
Instrument	2017-0567238

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company
Address	ISELIN, NJ 08830

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 14, 2020
Property Address	3547 CAY DR, CARLSBAD, CA 92010-7072
Document Number	0000376227
Instrument Date	Jun 25, 2020
Instrument	376227
Transaction Type	Transfer
Record Updated	Jul 23, 2020
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
Relationship	Revocable Trust
Address	3547 CAY DR CARLSBAD CA 920107072, CARLSBAD, CA 92010-7072

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 22, 2019
Property Address	3547 CAY DR, CARLSBAD, CA 92010-7072
Document Number	0000475874
Instrument Date	Oct 14, 2019
Instrument	475874
Transaction Type	Transfer
Record Updated	Oct 31, 2019
Title Company	NORTH AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	3547 CAY DR CARLSBAD CA 920107072, CARLSBAD, CA 92010-7072

October 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 22, 2019
Property Address	3547 CAY DR, CARLSBAD, CA 92010-7072
Document Number	0000475875
Map Reference	MAP 12950
Instrument Date	Oct 11, 2019
Instrument	2019-0475875
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	NORTH AMERICAN TITLE COMPANY

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
Address	3547 CAY DR, CARLSBAD, CA 92010-7072

Mortgage

Document Number	0000475876
Date	Oct 22, 2019
Instrument	2019-0475876

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

January 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 9, 2017
Property Address	3547 CAY DR, CARLSBAD, CA 92010-7072
Document Number	0000012237
Instrument Date	Nov 2, 2016
Instrument	12237
Transaction Type	Transfer
Record Updated	Jan 13, 2017
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$794.20
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3547 CAY DR CARLSBAD CA 920107072, CARLSBAD, CA 92010-7072

Mortgage

Document Number	12238,
Date	Jan 9, 2017
Instrument	12238

Lender

Name	FIRST CHOICE LN SVCS
Type	Funding / Finance Company
Address	EAST BRUNSWICK, NJ 08816

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 8, 2047

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		$874,772 (+2%) Land $532,705 Building $342,067
2025	$10,050.00 (+3.76%) Homeowner's exemption	$857,620 (+4.04%) Land $522,260 Building $335,360
2023	$9,686.00 (+1.45%) Homeowner's exemption	$824,320 Land $501,981 Building $322,339
2022	$9,548.00

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	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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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