4565 38th St, San Diego, CA 92116 Property Records

San Diego County property record for 4565 38th St, San Diego, CA 92116

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 628 sqft · built 2025
Lot Size	0.117 acres (5,076 sqft)
Owner	Individual Name on Record
Last Sale	$804,000 (Feb 2023)
Tax Bill	$11,025 (2025)
Deeds & Mortgages	Feb 2023 Sale & Mortgage Aug 2021 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`440-620-06-00`

Property Details

APN / Parcel Number

Primary APN	`440-620-06-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	628 sqft Living Area

Exterior

Year Built	Built 2025
Effective Year Built	Effective 2025
Lot Area	5,076 sqft (0.117 acres)

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	4565 38TH ST
City	SAN DIEGO
State	CA
Zip	92116-3727
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-1-2
Legal Description	VL 219 (EX NLY 16.50 FT) TR 000985
Legal Subdivision	NORMAL HEIGHTS
Legal Tract	000985
Legal Block	1
Legal Lot Number	219
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	1
Census Block	1001
Census Tract	1801

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	2020 EL CAJON BLVD, 502, SAN DIEGO, CA 92104-3878
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2023	Grant Deed, Transfer · Commercial Mortgage BALBOA THRIFT & LOAN
Aug 27, 2021	Intrafamily Transfer, Transfer
Jul 7, 2021	Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC
Jul 7, 2021	Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC
Jun 26, 2018	Deed of Trust, Mortgage · Reverse Mortgage LIVE WELL FINANCIAL INC
Jun 15, 2018	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 22, 2023 · Amount on Record
Deed Sale	Feb 22, 2023 · Amount on Record
Deed Document Number	202345335
Prior Transfer Date	Aug 12, 2021
Prior Transfer Doc	0000610503
Record Updated	Oct 29, 2026

February 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 22, 2023
Property Address	4565 38TH ST, SAN DIEGO, CA 92116-3727
Document Number	0000045335
Map Reference	MAP 985
Instrument Date	Dec 15, 2022
Instrument	2023-0045335
Transaction Type	Transfer
Record Updated	Mar 2, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TTL SAN DIEGO

Transaction

Amount	Amount Recorded
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	2020 EL CAJON BLVD APT 502, 502, SAN DIEGO, CA 92104-3878

Mortgage

Document Number	0000045336
Date	Feb 22, 2023
Instrument	2023-0045336

Lender

Name	BALBOA THRIFT & LOAN
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	61 Months
Due	Mar 1, 2028

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 27, 2021
Property Address	4565 38TH ST, SAN DIEGO, CA 92116-3727
Document Number	0000610503
Map Reference	MAP 985
Instrument Date	Aug 12, 2021
Instrument	2021-0610503
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	4565 38TH ST, SAN DIEGO, CA 92116-3727

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4565 38TH ST, SAN DIEGO, CA 92116-3727
Transaction Type	Mortgage
Record Updated	Jul 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4565 38TH ST, SAN DIEGO, CA 92116-3727

Mortgage

Document Number	0000488018
Date	Jul 7, 2021
Instrument	2021-0488018

Lender

Name	FINANCE OF AMERICA REVERSE LLC
Type	Reverse Mortgage Lender
Address	TULSA, OK 74133

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	661 Months
Due	Aug 14, 2076

Interest

Rate Type	Adjustable Rate
Rate	1.95%
Change Frequency	Annually

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4565 38TH ST, SAN DIEGO, CA 92116-3727
Transaction Type	Mortgage
Record Updated	Jul 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4565 38TH ST, SAN DIEGO, CA 92116-3727

Mortgage

Document Number	0000488019
Date	Jul 7, 2021
Instrument	2021-0488019

Lender

Name	FINANCE OF AMERICA REVERSE LLC
Type	Reverse Mortgage Lender
Address	TULSA, OK 74133

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	661 Months
Due	Aug 14, 2076

Interest

Rate Type	Adjustable Rate
Rate	1.95%
Type Change Date	Aug 1, 2021
Change Frequency	Annually
Index	1-Year LIBOR

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4565 38TH ST, SAN DIEGO, CA 92116-3727
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000260102
Date	Jun 26, 2018
Instrument	2018-0260102

Lender

Name	LIVE WELL FINANCIAL INC
Type	Mortgage Company
Address	RICHMOND, VA 23225

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	698 Months
Due	Aug 14, 2076

Interest

Rate Type	Adjustable Rate
Rate	4.61%
Type Change Date	Jul 1, 2019
Change Frequency	Annually
Index	1-Year LIBOR

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4565 38TH ST, SAN DIEGO, CA 92116-3727
Document Number	0000260103
Instrument Date	Jun 15, 2018
Transaction Type	Mortgage
Record Updated	Jul 2, 2018
Title Company	WFG NATIONAL TITLE COMPANY, WFG NAT'L TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4565 38TH ST SAN DIEGO CA 921163727, SAN DIEGO, CA 92116-3727

Mortgage

Document Number	0000260103
Date	Jun 26, 2018
Instrument	260103

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	696 Months
Due	Jun 25, 2076

Interest

Rate Type	Adjustable Rate
Rate	4.61%

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	San Diego City
Unified School District	San Diego City Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$853,208 (+2%) Land $612,689 Building $240,519
2025	$11,025.00 (+9.09%)	$836,479 (+2,119.54%) Land $600,676 Building $235,803
2024	$10,106.00 (+2,370.9%)
2023	$409.00 (+3.02%) Homeowner's exemption	$37,687 Land $27,063 Building $10,624
2022	$397.00

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

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

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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