3920 Madison Ave, San Diego, CA 92116 Property Records

San Diego County property record for 3920 Madison Ave, San Diego, CA 92116

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,769 sqft · built 1960
Lot Size	0.103 acres (4,483 sqft)
Owner	2 Individual Names on File
Last Sale	$1,400,000 (Apr 2024)
Tax Bill	$18,338 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Apr 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`440-630-05-00`

Property Details

APN / Parcel Number

Primary APN	`440-630-05-00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,769 sqft Living Area

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Lot Area	4,483 sqft (0.103 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	3920 MADISON AVE
City	SAN DIEGO
State	CA
Zip	92116-4645
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-1-7
Legal Description	VL 235 POR OF TR 000985
Legal Subdivision	NORMAL HEIGHTS
Legal Tract	000985
Legal Block	1
Legal Lot Number	235
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1001
Census Tract	1801

Owner

3920 Madison Ave is owned and occupied by two individuals who acquired it in February 2026.

Source: San Diego County records, as of October 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3920 MADISON AVE, SAN DIEGO, CA 92116-4645
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Mar 13, 2026	Intrafamily Transfer, Transfer · Conventional Mortgage WHEELHOUSE CREDIT UNION
Apr 15, 2024	Grant Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 15, 2024 · Amount on File
Deed Sale	Apr 15, 2024 · Amount on File
Prior Sale	Jun 2, 2011 · Amount on File
Deed Document Number	202492215
Last Transfer Date	Feb 22, 2026
Transfer Doc	0000070193
Record Updated	Oct 29, 2026

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 13, 2026
Property Address	3920 MADISON AVE, SAN DIEGO, CA 92116-4645
Document Number	0000070193
Map Reference	MAP 985
Instrument Date	Feb 22, 2026
Instrument	2026-0070193
Transaction Type	Transfer
Record Updated	Mar 23, 2026
Title Company	WFG NATIONAL TITLE COMPANY/CA, WFG NATIONAL TITLE CO OF CA

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
Relationship	Joint Tenants
Address	3920 MADISON AVE, SAN DIEGO, CA 92116-4645

Mortgage

Document Number	0000070195
Date	Mar 13, 2026
Instrument	2026-0070195

Lender

Name	WHEELHOUSE CREDIT UNION
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Apr 1, 2031
Change Frequency	5 Years
Min Rate At Change	3.25%
Max Rate At Change	7.25%
Index	5-Year CMT
Max Rate	10.2%

April 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 15, 2024
Property Address	3920 MADISON AVE, SAN DIEGO, CA 92116-4645
Document Number	0000092215
Map Reference	MAP 985
Instrument Date	Mar 25, 2024
Instrument	2024-0092215
Transaction Type	Transfer
Record Updated	Apr 26, 2024
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TTL SAN DIEGO

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	Joint Tenants
Address	3920 MADISON AVE, SAN DIEGO, CA 92116-4645

Mortgage

Document Number	0000092216
Date	Apr 15, 2024
Instrument	2024-0092216

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

Tax Assessment & Valuation

The 2025 property tax bill for 3920 Madison Ave was $18,338, up 120.1% from the year before.

Source: San Diego County assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Municipality	San Diego City
Unified School District	San Diego City Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,456,560 (+2%) Land $1,144,440 Building $312,120
2025	$18,338.00 (+120.06%) Homeowner's exemption	$1,428,000 Land $1,122,000 Building $306,000
2024	$8,333.00 (+2.27%)
2023	$8,148.00 (+2.75%) Homeowner's exemption	$669,375 Land $466,911 Building $202,464
2022	$7,930.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 3920 Madison Ave in Zone X, an area of minimal flood risk.

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

Wildfire risk around 3920 Madison Ave is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 98.4% of California
Wildfire Likelihood	Under 0.01% 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	CITY OF SAN DIEGO serves 1,408,937 people · EPA ID CA3710020
Water Source	Surface water
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2024–2026) 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 817 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Verizon Fixed Wireless	1,000 / 75
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks.

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