San Diego County property record for 4851 Cole St, Unit 2, San Diego, CA 92117
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 1.5 ba · 896 sqft · built 1968 |
| Lot Size | 1.07 acres (46,699 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $216,000 (Nov 2014) |
| Tax Bill | $3,280 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Feb 2024 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 360-070-14-02 |
| Primary APN | 360-070-14-02 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 896 sqft Living Area |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Architectural Style | Condo/Apartment |
| Lot Area | 46,699 sqft |
| Street Address | 4851 COLE ST, 2 |
|---|---|
| City | SAN DIEGO |
| State | CA |
| Zip | 92117-1859 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | RM-3-7 |
| Legal Description | LOT 1 US 2 PER DOC84-076032&131931&UND INT IN TR 009549 |
| Legal Subdivision | COLE MANOR SOUTH |
| Legal Tract | 009549 |
| Legal Block | 2 |
| Legal Lot Number | 1 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | SAN DIEGO |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 8502 |
4851 Cole St, Unit 2 is owned and occupied by two individuals who bought it in November 2014.
Source: San Diego County records, as of July 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4851 COLE ST, 2, SAN DIEGO, CA 92117-1859 |
| 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.
| Date | Document |
|---|---|
| Dec 9, 2025 | Deed of Trust, Mortgage · Conventional Mortgage NEXBANK SSB |
| Feb 16, 2024 | Deed of Trust, Mortgage · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 26, 2014 · Amount on File |
| Deed Sale | Nov 26, 2014 · Amount on File |
| Prior Sale | Jun 11, 2010 · Amount on File |
| Deed Document Number | 2014520543 |
| Prior Transfer Date | Mar 15, 2010 |
| Prior Transfer Doc | 0000131120 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 4851 COLE ST UNIT 2, 2, SAN DIEGO, CA 92117-1859 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2025 |
| Name | Verified Name |
|---|---|
| Address | 12510 CARMEL CREEK RD, SAN DIEGO, CA 92130-2322 |
| Document Number | 0000347459 |
|---|---|
| Date | Dec 9, 2025 |
| Instrument | 2025-0347459 |
| Name | NEXBANK SSB |
|---|---|
| Type | Bank |
| Address | DALLAS, TX 75201 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.5% |
| Type Change Date | Dec 1, 2030 |
| Change Frequency | 6 Months |
| Min Rate At Change | 4.5% |
| Max Rate At Change | 8.5% |
| Index | SOFR Average 30-Day |
| Max Rate | 11.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 4851 COLE ST UNIT 2, 2, SAN DIEGO, CA 92117-1859 |
| Transaction Type | Mortgage |
| Record Updated | Feb 27, 2024 |
| Title Company | FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO |
| Name | Verified Name |
|---|---|
| Address | 9733 BILTEER DR, SANTEE, CA 92071-2662 |
| Document Number | 0000041338 |
|---|---|
| Date | Feb 16, 2024 |
| Instrument | 2024-0041338 |
| Name | ARK-LA-TEX FINANCIAL SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | PLANO, TX 75024 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2054 |
The 2025 property tax bill for 4851 Cole St, Unit 2 was $3,280, up 3.9% from the year before.
Source: San Diego County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Municipality | San Diego City |
| Unified School District | San Diego City Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $264,779 (+2%) Land $166,434 Building $98,345 | |
| 2025 | $3,280.00 (+3.9%) | $259,588 Land $163,171 Building $96,417 |
| 2024 | $3,157.00 (+2.27%) | |
| 2023 | $3,087.00 (+2.73%) | $249,510 Land $156,836 Building $92,674 |
| 2022 | $3,005.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 4851 Cole St, Unit 2 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.
The area around 4851 Cole St, Unit 2 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 | 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 |
| 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 590 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| San Diego Broadband Fixed Wireless | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Cox Communications, GeoLinks.
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