San Diego County property record for 438 N Rios Ave, Solana Beach, CA 92075
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,719 sqft · built 2011 |
| Lot Size | 0.237 acres (10,300 sqft) |
| Owner | Company Name on File |
| Last Sale | $955,000 (Apr 2008) |
| Tax Bill | $16,520 (2025) |
| Deeds & Mortgages | May 2022 Mortgage Apr 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 263-072-25-00 |
| Primary APN | 263-072-25-00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,719 sqft Living Area |
| Year Built | Built 2011 |
|---|---|
| Effective Year Built | Effective 2011 |
| Lot Area | 10,300 sqft (0.237 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 1 Parking Space |
| Street Address | 438 N RIOS AVE |
|---|---|
| City | SOLANA BEACH |
| State | CA |
| Zip | 92075-1244 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | LRc |
| Legal Description | LOT 5 TR 004230 |
| Legal Subdivision | NOD SUB |
| Legal Tract | 004230 |
| Legal Block | 1 |
| Legal Lot Number | 5 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | SAN DIEGO |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 17303 |
438 N Rios Ave is owned by a company that acquired it in October 2008.
Source: San Diego County records, as of July 28, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 438 N RIOS AVE, SOLANA BEACH, CA 92075-1244 |
| Owner Type | Company |
| Vesting | Borrower in Default |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 6, 2022 | Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA |
| Apr 19, 2017 | Deed of Trust, Mortgage · ARM PNC MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 25, 2008 · Amount on File |
| Deed Sale | Apr 25, 2008 · Amount on File |
| Prior Sale | Sep 12, 2003 · Amount on File |
| Deed Document Number | 2008222776 |
| Last Transfer Date | Oct 9, 2008 |
| Transfer Doc | 0000556909 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 438 N RIOS AVE, SOLANA BEACH, CA 92075-1244 |
| Transaction Type | Mortgage |
| Record Updated | May 13, 2022 |
| Title Company | NATIONAL LINK |
| Name | Verified Name |
|---|---|
| Address | 438 N RIOS AVE, SOLANA BEACH, CA 92075-1244 |
| Document Number | 0000197853 |
|---|---|
| Date | May 6, 2022 |
| Instrument | 2022-0197853 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | MIAMISBURG, OH 45342 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.87% |
| Type Change Date | Jun 1, 2029 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 7.87% |
| Index | Other |
| Margin | 3 |
| Max Rate | 7.87% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 438 N RIOS AVE, SOLANA BEACH, CA 92075-1244 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | NATIONAL LINK |
| Name | Verified Name |
|---|
| Document Number | 0000174083 |
|---|---|
| Date | Apr 19, 2017 |
| Instrument | 2017-0174083 |
| Name | PNC MORTGAGE LLC |
|---|---|
| Type | Lending Institution |
| Address | MIAMISBURG, OH 45342 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.5% |
| Type Change Date | May 1, 2024 |
| Change Frequency | Annually |
| Min Rate At Change | 2.5% |
| Max Rate At Change | 8.5% |
| Index | 1-Year LIBOR |
| Max Rate | 8.5% |
The 2025 property tax bill for 438 N Rios Ave was $16,520.
Source: San Diego County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Municipality | Solana Beach City |
| Secondary School District | San Dieguito Union High School District (07 - 12) |
| Elementary School District | Solana Beach Elementary School District (KG - 06) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $1,500,434 (+2%) Land $1,198,966 Building $301,468 | |
| 2025 | $16,520.00 | $1,471,014 Land $1,175,457 Building $295,557 |
| 2023 | $15,815.00 (+1.53%) | $1,413,894 Land $1,129,813 Building $284,081 |
| 2022 | $15,576.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 438 N Rios Ave 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 | 2 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.
The area around 438 N Rios Ave has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SANTA FE I.D. serves 21,539 people · EPA ID CA3710023 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2024 |
| Lead | 2 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 580 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| FiberFirst Fiber | 5,000 / 5,000 |
| Ting Fiber | 2,000 / 2,000 |
| Cox Communications Cable · Fiber in parts of the area | 2,000 / 35 |
| Spectrum Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
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