San Diego County property record for 5425 Spencer Ln, Carlsbad, CA 92008
| Property Type | Mobile Home |
|---|---|
| Details | 3 bd · 2 ba · 1,344 sqft · built 1984 |
| Lot Size | 0.96 acres (4,179 sqft) |
| Owner | Company Name on File |
| Last Sale | $337,500 (Jan 2020) |
| Tax Bill | $3,940 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage Jun 2020 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 212-102-28-00 |
| Primary APN | 212-102-28-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,344 sqft Living Area |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Mobile Home |
| Lot Area | 4,179 sqft (0.96 acres) |
| Street Address | 5425 SPENCER LN |
|---|---|
| City | CARLSBAD |
| State | CA |
| Zip | 92008-7117 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Local Zoning Code | RMHP |
| Legal Description | LOT 28 DOC86-322103 IN TR 011278 |
| Legal Subdivision | CARLSBAD COURT |
| Legal Tract | 011278 |
| Legal Block | 2 |
| Legal Lot Number | 28 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | OCEANSIDE-ESCONDIDO |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 22101 |
5425 Spencer Ln, a mobile home, is owned by a company that bought it in January 2020 and is owner-occupied.
Source: San Diego County records, as of July 28, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 5425 SPENCER LN, CARLSBAD, CA 92008-7117 |
| Occupancy | Owner Occupied |
| 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 |
|---|---|
| Jul 14, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC |
| Jun 24, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Jan 30, 2020 | Grant Deed, Transfer · FHA Mortgage CALIBER HM LOANS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 30, 2020 · Amount on File |
| Deed Sale | Jan 30, 2020 · Amount on File |
| Prior Sale | Mar 27, 2007 · Amount on File |
| Deed Document Number | 202050265 |
| Prior Transfer Date | May 24, 1995 |
| Prior Transfer Doc | 0000366039 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 5425 SPENCER LN, CARLSBAD, CA 92008-7117 |
| Transaction Type | Mortgage |
| Record Updated | Jul 26, 2021 |
| Title Company | TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH |
| Name | Verified Name |
|---|---|
| Address | 5425 SPENCER LN, CARLSBAD, CA 92008-7117 |
| Document Number | 0000504134 |
|---|---|
| Date | Jul 14, 2021 |
| Instrument | 2021-0504134 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Jun 24, 2020 |
| Property Address | 5425 SPENCER LN, CARLSBAD, CA 92008-7117 |
| Document Number | 0000327535 |
| Instrument Date | May 19, 2020 |
| Instrument | 327535 |
| Transaction Type | Transfer |
| Record Updated | Jul 2, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 5425 SPENCER LN CARLSBAD CA 920087117, CARLSBAD, CA 92008-7117 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Jan 30, 2020 |
| Property Address | 5425 SPENCER LN, CARLSBAD, CA 92008-7117 |
| Document Number | 0000050265 |
| Instrument Date | Dec 19, 2019 |
| Instrument | 50265 |
| Transaction Type | Transfer |
| Record Updated | Feb 12, 2020 |
| Title Company | LAWYERS TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $371.00 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Address | 5425 SPENCER LN CARLSBAD CA 920087117, CARLSBAD, CA 92008-7117 |
| Document Number | 50266 |
|---|---|
| Date | Jan 30, 2020 |
| Instrument | 50266 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 29, 2050 |
The 2025 property tax bill for 5425 Spencer Ln was $3,940 with a homeowner's exemption.
Source: San Diego County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Municipality | Carlsbad City |
| Unified School District | Carlsbad Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $376,481 (+2%) Land $278,876 Building $97,605 | |
| 2025 | $3,940.00 Homeowner's exemption | $369,100 Land $273,408 Building $95,692 |
| 2023 | $3,784.00 (+1.58%) Homeowner's exemption | $354,770 Land $262,793 Building $91,977 |
| 2022 | $3,725.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 5425 Spencer Ln 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.
Wildfire risk around 5425 Spencer Ln is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 88% of California |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Indirect 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 | 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 |
| 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 193 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| 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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