408 Luzon Ave, Del Mar, CA 92014 Property Records

San Diego County property record for 408 Luzon Ave, Del Mar, CA 92014

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,932 sqft · built 2004
Lot Size	0.292 acres (12,700 sqft)
Owner	Individual Name on Record
Last Sale	$8,000,000 (Nov 2025)
Tax Bill	$72,938 (2025)
Deeds & Mortgages	Jul 2023 Mortgage Nov 2025 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`299-173-26-00`

Property Details

APN / Parcel Number

Primary APN	`299-173-26-00`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	2,932 sqft Living Area

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Lot Area	12,700 sqft (0.292 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	408 LUZON AVE
City	DEL MAR
State	CA
Zip	92014-2220
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	BLK 34 LOTS C&H DOC73-336965&DOC75-65197 IN ALLEY CLSD ADJ& TR 001343
Legal Subdivision	ARDEN HEIGHTS
Legal Tract	001343
Legal Block	34
Legal Lot Number	C,H
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1012
Census Tract	17202

Owner

Source: San Diego County records, as of July 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	PO BOX 3943, JACKSON, WY 83001-3943
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Jul 5, 2023	Deed of Trust, Mortgage · Conventional Mortgage 42 NORTH PRIVATE BANK
Nov 17, 2025	Intrafamily Transfer, Transfer CHICAGO TITLE COMPANY-SD, CHICAGO TITLE COMPANY SD
Nov 17, 2025	Grant Deed, Transfer · Conventional Mortgage CITY NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 17, 2025 · Amount on Record
Deed Sale	Nov 17, 2025 · Amount on Record
Prior Sale	Sep 5, 2008 · Amount on Record
Deed Document Number	2025324228
Prior Transfer Date	Dec 6, 1995
Prior Transfer Doc	0000240812
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	408 LUZON AVE, DEL MAR, CA 92014-2220
Transaction Type	Mortgage
Record Updated	Apr 2, 2026
Title Company	PLACER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2075 N FISH CREEK RD, WILSON, WY 83014-5097

Mortgage

Document Number	0000174869
Date	Jul 5, 2023
Instrument	2023-0174869

Lender

Name	42 NORTH PRIVATE BANK
Type	Bank
Address	CANTON, MA 02021

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Type Change Date	Jul 1, 2028
Change Frequency	Annually
Min Rate At Change	6.5%
Max Rate At Change	8.5%
Index	1-Year T-Bill
Max Rate	11.5%

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 17, 2025
Property Address	408 LUZON AVE, DEL MAR, CA 92014-2220
Document Number	0000324227
Map Reference	MB 6390 PG 585
Instrument Date	Oct 28, 2025
Instrument	2025-0324227
Transaction Type	Transfer
Record Updated	Nov 26, 2025
Title Company	CHICAGO TITLE COMPANY-SD, CHICAGO TITLE COMPANY SD

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	PO BOX 3943, JACKSON, WY 83001-3943

November 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 17, 2025
Property Address	408 LUZON AVE, DEL MAR, CA 92014-2220
Document Number	0000324228
Map Reference	MB 6390 PG 585
Instrument Date	Oct 20, 2025
Instrument	2025-0324228
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	CHICAGO TITLE SW, CHICAGO TITLE SD

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
Address	408 LUZON AVE, DEL MAR, CA 92014-2220

Mortgage

Document Number	0000324229
Date	Nov 17, 2025
Instrument	2025-0324229

Lender

Name	CITY NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	4.93%
Type Change Date	Dec 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	9.93%
Index	SOFR Average 30-Day
Max Rate	9.93%

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	Del Mar City
Elementary School District	Del Mar 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		$8,000,000 (+16.83%) Land $6,000,000 Building $2,000,000
2025	$72,938.00 (+4.31%)	$6,847,548 (+4.04%) Land $5,151,058 Building $1,696,490
2023	$69,927.00 (+1.62%)	$6,581,651 Land $4,951,037 Building $1,630,614
2022	$68,810.00

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
Flood Insurance Cost	Premium on Record median of 49 individual policies
Nearby Flood Policies	105 units insured incl. 56 condo units
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2017 · rainfall accumulation

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	Low lower than 98% of the US · lower than 98.4% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 DEL MAR serves 3,950 people · EPA ID CA3710004
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2025
Lead	1 ppb (2025–2027) 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 371 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: GeoLinks, San Diego Broadband.

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