3946 Madison Ave, San Diego, CA 92116 Property Records

San Diego County property record for 3946 Madison Ave, San Diego, CA 92116

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,482 sqft · built 2015
Lot Size	0.5 acres (2,197 sqft)
Owner	2 Individual Names on File
Last Sale	$354,000 (Oct 2009)
Tax Bill	$6,393 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Jun 2025 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`440-630-09-00`

Property Details

APN / Parcel Number

Primary APN	`440-630-09-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,482 sqft Living Area

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Lot Area	2,197 sqft (0.5 acres)
Garage Type	Carport
Carport	Carport

Location & Zoning

Street Address	3946 MADISON AVE
City	SAN DIEGO
State	CA
Zip	92116-4645
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-1-2
Legal Description	VL 237 ELY 66.5 FT LD DAF: VL 236 & SLY 40 FT OF TR 000985
Legal Subdivision	NORMAL HEIGHTS
Legal Tract	000985
Legal Block	1
Legal Lot Number	236
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1001
Census Tract	1801

Owner

3946 Madison Ave is owned and occupied by two individuals who acquired it in February 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	3946 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
Apr 10, 2024	Deed of Trust, Mortgage · Commercial Mortgage COMERICA BANK
Jun 13, 2025	Deed of Trust, Mortgage · Line of Credit THIRD FEDERAL SAVINGS AND LOAN
Feb 25, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage GOLDEN EMPIRE MORTGAGE INC
Sep 30, 2019	Deed of Trust, Mortgage · Conventional Mortgage GOLDEN EMPIRE MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 20, 2009 · Amount on File
Deed Sale	Oct 20, 2009 · Amount on File
Prior Sale	Nov 17, 2004 · Amount on File
Deed Document Number	2009580689
Last Transfer Date	Feb 18, 2021
Transfer Doc	0000147039
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3946 MADISON AVE, SAN DIEGO, CA 92116-4645
Transaction Type	Mortgage
Record Updated	Apr 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3946 MADISON AVE, SAN DIEGO, CA 92116-4645

Mortgage

Document Number	0000088439
Date	Apr 10, 2024
Instrument	2024-0088439

Lender

Name	COMERICA BANK
Type	Bank
Address	DALLAS, TX 75201

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 12, 2054

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3946 MADISON AVE, SAN DIEGO, CA 92116-4645
Transaction Type	Mortgage
Record Updated	Apr 23, 2026
Title Company	TITLE365 COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3946 MADISON AVE, SAN DIEGO, CA 92116-4645

Mortgage

Document Number	0000157433
Date	Jun 13, 2025
Instrument	2025-0157433

Lender

Name	THIRD FEDERAL SAVINGS AND LOAN
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 2, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 25, 2021
Property Address	3946 MADISON AVE, SAN DIEGO, CA 92116-4645
Document Number	0000147039
Map Reference	MAP 985
Instrument Date	Feb 18, 2021
Instrument	2021-0147039
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	CHICAGO 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
Relationship	Joint Tenants
Address	3946 MADISON AVE, SAN DIEGO, CA 92116-4645

Mortgage

Document Number	0000147040
Date	Feb 25, 2021
Instrument	2021-0147040

Lender

Name	GOLDEN EMPIRE MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3946 MADISON AVE, SAN DIEGO, CA 92116-4645
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000432582
Date	Sep 30, 2019
Instrument	2019-0432582

Lender

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

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 3946 Madison Ave was $6,393 with a homeowner's exemption.

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		$525,406 (+2%) Land $362,064 Building $163,342
2025	$6,393.00	$515,105 Land $354,965 Building $160,140
2023	$4,213.00 (-34.11%)	$533,482 Land $341,182 Building $192,300
2022	$6,394.00

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

Flood

FEMA maps place 3946 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 3946 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.

Nearby Properties on Madison Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures