3607 Terrace Pl, Carlsbad, CA 92010 Property Records

San Diego County property record for 3607 Terrace Pl, Carlsbad, CA 92010

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,689 sqft · built 2001
Lot Size	0.313 acres (13,624 sqft)
Owner	2 Individual Names on File
Last Sale	$2,150,000 (Sep 2024)
Tax Bill	$25,483 (2025)
Deeds & Mortgages	Sep 2019 Mortgage Oct 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`168-300-19-00`

Property Details

APN / Parcel Number

Primary APN	`168-300-19-00`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Building Area	3,689 sqft Living Area

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Lot Area	13,624 sqft (0.313 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	3607 TERRACE PL
City	CARLSBAD
State	CA
Zip	92010-6592
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-C
Legal Description	LOT 19 TR 012951
Legal Subdivision	CARLSBAD COURT
Legal Tract	012951
Legal Block	2
Legal Lot Number	19
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2007
Census Tract	19810

Owner

3607 Terrace Pl is owned and occupied by two individuals who bought it in September 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	3607 TERRACE PL, CARLSBAD, CA 92010-6592
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2019	Deed of Trust, Mortgage · ARM HOMEBRIDGE FINANCIAL SERVICES INC
Oct 21, 2020	Grant Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Sep 11, 2017	Intrafamily Transfer, Transfer · ARM HOMESTREET BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 13, 2024 · Amount on File
Deed Sale	Sep 13, 2024 · Amount on File
Prior Sale	Oct 21, 2020 · Amount on File
Deed Document Number	2024247673
Prior Transfer Date	Sep 5, 2017
Prior Transfer Doc	0000414896
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3607 TERRACE PL, CARLSBAD, CA 92010-6592
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE COMPANY SD

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000424382
Date	Sep 25, 2019
Instrument	2019-0424382

Lender

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

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Oct 1, 2026
Change Frequency	2 Years
Min Rate At Change	2.25%
Max Rate At Change	8.87%
Index	1-Year LIBOR
Max Rate	8.87%

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 21, 2020
Property Address	3607 TERRACE PL, CARLSBAD, CA 92010-6592
Document Number	0000641841
Map Reference	MAP 12951
Instrument Date	Sep 26, 2020
Instrument	2020-0641841
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	LAWYERS TITLE

Transaction

Amount	Amount on Record
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	Family Trust
Address	3607 TERRACE PL, CARLSBAD, CA 92010-6592

Mortgage

Document Number	0000641842
Date	Oct 21, 2020
Instrument	2020-0641842

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

September 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 11, 2017
Property Address	3607 TERRACE PL, CARLSBAD, CA 92010-6592
Document Number	0000414896
Map Reference	MAP12951
Instrument Date	Sep 5, 2017
Instrument	2017-0414896
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	CHICAGO TITLE SD

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	3607 TERRACE PL, CARLSBAD, CA 92010-6592

Mortgage

Document Number	0000414897
Date	Sep 11, 2017
Instrument	2017-0414897

Lender

Name	HOMESTREET BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Oct 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.75%
Index	1-Year LIBOR
Max Rate	8.75%

Tax Assessment & Valuation

The 2025 property tax bill for 3607 Terrace Pl was $25,483.

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		$2,193,000 (+60.72%) Land $1,336,200 Building $856,800
2025	$25,483.00	$1,364,504 Land $848,966 Building $515,538
2023	$16,792.00 (+1.41%)	$1,337,750 Land $832,320 Building $505,430
2022	$16,558.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 3607 Terrace Pl in Zone X, an area of minimal flood risk.

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

Wildfire risk around 3607 Terrace Pl is low, with a 0.03% annual chance of 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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