3550 Calle Palmito, Carlsbad, CA 92009 Property Records

San Diego County property record for 3550 Calle Palmito, Carlsbad, CA 92009

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 4,853 sqft · built 2004
Lot Size	0.265 acres (11,555 sqft)
Owner	Company Name on Record
Last Sale	$1,900,000 (Sep 2020)
Tax Bill	$23,571 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage Jul 2018 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`223-680-20-00`

Property Details

APN / Parcel Number

Primary APN	`223-680-20-00`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Building Area	4,853 sqft Living Area

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Lot Area	11,555 sqft (0.265 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	3550 CALLE PALMITO
City	CARLSBAD
State	CA
Zip	92009-8958
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-C
Legal Description	LOT 20 TR 014617
Legal Subdivision	CARLSBAD COURT
Legal Tract	014617
Legal Block	4
Legal Lot Number	20
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	4
Census Block	4015
Census Tract	17109

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	3550 CALLE PALMITO, CARLSBAD, CA 92009-8958
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2020	Grant Deed, Transfer · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA
Jul 18, 2018	Quit Claim Deed, Transfer TIAA FSB
Jul 18, 2018	Grant Deed, Transfer TIAA FSB
Dec 29, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
Aug 29, 2017	Deed of Trust, Mortgage · Line of Credit CALIFORNIA COAST CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 11, 2020 · Amount on Record
Deed Sale	Sep 11, 2020 · Amount on Record
Prior Sale	Jul 18, 2018 · Amount on Record
Deed Document Number	2020533094
Prior Transfer Date	Jul 12, 2018
Prior Transfer Doc	0000293149
Record Updated	Oct 29, 2026

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 11, 2020
Property Address	3550 CALLE PALMITO, CARLSBAD, CA 92009-8958
Document Number	0000533094
Map Reference	MAP 14617
Instrument Date	Aug 4, 2020
Instrument	2020-0533094
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

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	Revocable Trust
Address	3550 CALLE PALMITO, CARLSBAD, CA 92009-8958

Mortgage

Document Number	0000533095
Date	Sep 11, 2020
Instrument	2020-0533095

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Oct 1, 2030
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	7.75%
Index	1-Year LIBOR
Max Rate	7.75%

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 18, 2018
Property Address	3550 CALLE PALMITO, CARLSBAD, CA 92009-8958
Document Number	0000293149
Instrument Date	Jul 12, 2018
Instrument	293149
Transaction Type	Transfer
Record Updated	Jun 1, 2020
Title Company	GUARDIAN TITLE COMPANY, GUARDIAN TITLE CO.

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	3550 CALLE PALMITO CARLSBAD CA 920098958, CARLSBAD, CA 92009-8958

Mortgage

Document Number	293151
Date	Jul 18, 2018
Instrument	293151

Lender

Name	TIAA FSB
Address	301 W BAY ST, JACKSONVILLE, FL 32202-5184

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 17, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.87%

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 18, 2018
Property Address	3550 CALLE PALMITO, CARLSBAD, CA 92009-8958
Document Number	0000293150
Instrument Date	Jul 9, 2018
Instrument	293150
Transaction Type	Transfer
Record Updated	Jun 1, 2020
Title Company	GUARDIAN TITLE COMPANY, GUARDIAN TITLE CO.

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,982.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	3550 CALLE PALMITO CARLSBAD CA 920098958, CARLSBAD, CA 92009-8958

Mortgage

Document Number	293151
Date	Jul 18, 2018
Instrument	293151

Lender

Name	TIAA FSB
Address	301 W BAY ST, JACKSONVILLE, FL 32202-5184

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 17, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.87%

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 29, 2017
Property Address	3550 CALLE PALMITO, CARLSBAD, CA 92009-8958
Document Number	0000617242
Instrument Date	Dec 20, 2017
Instrument	617242
Transaction Type	Transfer
Record Updated	Jan 5, 2018
Title Company	ATTORNEY ONLY

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	3550 CALLE PALMITO CARLSBAD CA 920098958, CARLSBAD, CA 92009-8958

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3550 CALLE PALMITO, CARLSBAD, CA 92009-8958
Document Number	0000405230
Instrument Date	Aug 29, 2017
Transaction Type	Mortgage
Record Updated	Sep 11, 2017
Title Company	STEWART TITLE, STEWART TITLE/CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3550 CALLE PALMITO CARLSBAD CA 920098958, CARLSBAD, CA 92009-8958

Mortgage

Document Number	0000405230
Date	Sep 5, 2017
Instrument	405230

Lender

Name	CALIFORNIA COAST CU
Type	Credit Union
Address	SAN DIEGO, CA 92150-2080

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Sep 4, 2042

Interest

Rate Type	Adjustable Rate

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
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		$2,097,750 (+2%) Land $1,076,477 Building $1,021,273
2025	$23,571.00 (+6.3%)	$2,056,619 (+4.04%) Land $1,055,370 Building $1,001,249
2023	$22,175.00 (+2.09%)	$1,976,760 Land $1,014,390 Building $962,370
2022	$21,722.00

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 · 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 45% of the US · lower than 73% of California
Wildfire Likelihood	0.07% 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 230 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
San Diego Broadband Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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