San Diego County property record for 438 S Nardo Ave, Solana Beach, CA 92075
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 3,031 sqft · built 1995 |
| Lot Size | 0.321 acres (14,000 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $3,800,000 (Dec 2024) |
| Tax Bill | $41,232 (2025) |
| Deeds & Mortgages | Mar 2022 Mortgage Apr 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 298-084-09-00 |
| Primary APN | 298-084-09-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 3,031 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Roof Material | Wood Shingle |
| Lot Area | 14,000 sqft (0.321 acres) |
| View / Lot | Good |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Old Parcel Number | 2980812700 |
|---|---|
| Street Address | 438 S NARDO AVE |
| City | SOLANA BEACH |
| State | CA |
| Zip | 92075-2027 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | LRc |
| Legal Description | BLK 1 LOT 3 (EX NLY 60 FT)WLY 100 FT OF TR 001749 |
| Legal Subdivision | SOLANA BEACH |
| Legal Tract | 001749 |
| Legal Block | 1 |
| Legal Lot Number | 3 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | SAN DIEGO |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 17307 |
438 S Nardo Ave is owner-occupied and held in a trust since December 2024.
Source: San Diego County records, as of July 28, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 438 S NARDO AVE, SOLANA BEACH, CA 92075-2027 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
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 |
|---|---|
| Mar 16, 2022 | Deed of Trust, Mortgage · Conventional Mortgage CHANGE LENDING LLC |
| Apr 2, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Apr 5, 2021 | Intrafamily Transfer, Transfer ACCOMMODATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 6, 2024 · Amount on File |
| Deed Sale | Dec 6, 2024 · Amount on File |
| Prior Sale | May 2, 1997 · Amount on File |
| Deed Document Number | 2024337958 |
| Transfer Doc | 0000256164 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 438 S NARDO AVE, SOLANA BEACH, CA 92075-2027 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2022 |
| Title Company | USA NATIONAL TITLE COMPANY, USA NATIONAL TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 438 S NARDO AVE, SOLANA BEACH, CA 92075-2027 |
| Document Number | 0000117741 |
|---|---|
| Date | Mar 16, 2022 |
| Instrument | 2022-0117741 |
| Name | CHANGE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92606 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Apr 2, 2021 |
| Property Address | 438 S NARDO AVE, SOLANA BEACH, CA 92075-2027 |
| Document Number | 0000256165 |
| Map Reference | MAP 1749 |
| Instrument Date | Mar 26, 2021 |
| Instrument | 2021-0256165 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Title Company | CHICAGO TITLE COMPANY-SD, CHICAGO TITLE COMPANY SD |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 438 S NARDO AVE, SOLANA BEACH, CA 92075-2027 |
| Document Number | 0000256166 |
|---|---|
| Date | Apr 2, 2021 |
| Instrument | 2021-0256166 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Apr 5, 2021 |
| Property Address | 438 S NARDO AVE, SOLANA BEACH, CA 92075-2027 |
| Document Number | 0000260720 |
| Map Reference | MAP 1749 |
| Instrument Date | Mar 26, 2021 |
| Instrument | 2021-0260720 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 438 S NARDO AVE, SOLANA BEACH, CA 92075-2027 |
The 2025 property tax bill for 438 S Nardo Ave was $41,232, up 351.3% from the year before.
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 | $3,936,000 (+3.58%) Land $3,264,000 Building $672,000 | |
| 2025 | $41,232.00 (+351.31%) | $3,800,000 Land $3,200,000 Building $600,000 |
| 2024 | $9,136.00 (+2.06%) | |
| 2023 | $8,952.00 (+1.51%) Homeowner's exemption | $773,070 Land $322,387 Building $450,683 |
| 2022 | $8,819.00 |
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.
FEMA maps place 438 S Nardo 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 | 7 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 S Nardo 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 333 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 |
| Spectrum Cable · Fiber in parts of the area | 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 |
May also be available: Cox Communications, GeoLinks.
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