5401 Reef Cir, Carlsbad, CA 92008 Property Records

San Diego County property record for 5401 Reef Cir, Carlsbad, CA 92008

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,798 sqft · built 2015
Lot Size	0.268 acres (11,694 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,995,000 (Mar 2024)
Tax Bill	$22,013 (2025)
Deeds & Mortgages	Mar 2024 Transfer Mar 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`212-102-69-00`

Property Details

APN / Parcel Number

Primary APN	`212-102-69-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,798 sqft Living Area

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Lot Area	11,694 sqft (0.268 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	5401 REEF CIR
City	CARLSBAD
State	CA
Zip	92008-3735
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 21 TR 015992
Legal Subdivision	CARLSBAD #06-13
Legal Tract	015992
Legal Block	2
Legal Lot Number	21
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2002
Census Tract	22101

Owner

Source: San Diego County records, as of July 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3676 AZURE CIR, CARLSBAD, CA 92008-2782
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2024	Intrafamily Transfer, Transfer FIRST AMERICAN TITLE
Mar 1, 2024	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 3, 2017	Grant Deed, Transfer · ARM MUFG UNION BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 1, 2024 · Amount on Record
Deed Sale	Mar 1, 2024 · Amount on Record
Prior Sale	Apr 3, 2017 · Amount on Record
Deed Document Number	202453283
Prior Transfer Date	Feb 16, 2024
Prior Transfer Doc	0000053282
Record Updated	Sep 20, 2026

March 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 1, 2024
Property Address	5401 REEF CIR, CARLSBAD, CA 92008-3735
Document Number	0000053282
Map Reference	MAP 15992
Instrument Date	Feb 16, 2024
Instrument	2024-0053282
Transaction Type	Transfer
Record Updated	Mar 11, 2024
Title Company	FIRST AMERICAN TITLE

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	5401 REEF CIR, CARLSBAD, CA 92008-3735

March 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 1, 2024
Property Address	5401 REEF CIR, CARLSBAD, CA 92008-3735
Document Number	0000053283
Map Reference	MAP 15992
Instrument Date	Feb 16, 2024
Instrument	2024-0053283
Transaction Type	Transfer
Record Updated	Mar 11, 2024
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

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
Relationship	Community Property with Right of Survivorship
Address	3676 AZURE CIR, CARLSBAD, CA 92008-2782

Mortgage

Document Number	0000053284
Date	Mar 1, 2024
Instrument	2024-0053284

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2054

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 3, 2017
Property Address	5401 REEF CIR, CARLSBAD, CA 92008-3735
Document Number	0000149288
Map Reference	MAP15992
Instrument Date	Mar 8, 2017
Instrument	2017-0149288
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	TICOR TITLE CO SAN DIEGO

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	5401 REEF CIR, CARLSBAD, CA 92008-3735

Mortgage

Document Number	0000149289
Date	Apr 3, 2017
Instrument	2017-0149289

Lender

Name	MUFG UNION BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Apr 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.87%
Index	1-Year LIBOR
Max Rate	9.87%

Mortgage

Document Number	0000149290
Date	Apr 3, 2017
Instrument	2017-0149290

Lender

Name	MUFG UNION BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 2026

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Municipality	Carlsbad City
Unified School District	Carlsbad Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$2,075,598 (+2%) Land $1,331,712 Building $743,886
2025	$22,013.00 (+68.03%)	$2,034,900 (+67.36%) Land $1,305,600 Building $729,300
2023	$13,101.00 (+1.57%) Homeowner's exemption	$1,215,911 Land $635,844 Building $580,067
2022	$12,898.00

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
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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · lower than 79% of California
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	CARLSBAD MWD serves 96,371 people · EPA ID CA3710005
Water Source	Purchased surface water from several systems
Last State Inspection	Sep 2023
Lead	Under 1 ppb (2022–2024) 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 397 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	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Cox Communications, GeoLinks.

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