5444 Reef Cir, Carlsbad, CA 92008 Property Records

San Diego County property record for 5444 Reef Cir, Carlsbad, CA 92008

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,255 sqft · built 2015
Lot Size	0.241 acres (10,509 sqft)
Owner	Company Name on Record
Last Sale	$1,055,000 (Apr 2018)
Tax Bill	$12,939 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Feb 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`212-102-54-00`

Property Details

APN / Parcel Number

Primary APN	`212-102-54-00`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Building Area	3,255 sqft Living Area

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Lot Area	10,509 sqft (0.241 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	5444 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 6 TR 015992
Legal Subdivision	CT 6-13
Legal Tract	015992
Legal Block	2
Legal Lot Number	6
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2001
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	Company Name on Record
Mailing Address	5444 REEF CIR, CARLSBAD, CA 92008-3735
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage SAN DIEGO COUNTY CU
Feb 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage ONEWEST BANK FSB
May 23, 2018	Quit Claim Deed, Transfer Quitclaim
Apr 24, 2018	Grant Deed, Transfer · ARM OAKTREE FUNDING CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 24, 2018 · Amount on Record
Deed Sale	Apr 24, 2018 · Amount on Record
Prior Sale	Jun 29, 2015 · Amount on Record
Deed Document Number	2018162327
Last Transfer Date	Apr 26, 2018
Transfer Doc	0000208080
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	5444 REEF CIR, CARLSBAD, CA 92008-3735
Transaction Type	Mortgage
Record Updated	Apr 27, 2021
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5444 REEF CIR, CARLSBAD, CA 92008-3735

Mortgage

Document Number	0000297418
Date	Apr 16, 2021
Instrument	2021-0297418

Lender

Name	SAN DIEGO COUNTY CU
Type	Credit Union
Address	SAN DIEGO, CA 92196

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	5444 REEF CIR, CARLSBAD, CA 92008-3735
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TICOR TTL ORANGE CNTY BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000100847
Date	Feb 27, 2020
Instrument	2020-0100847

Lender

Name	ONEWEST BANK FSB
Type	Bank
Address	PASADENA, CA 91103

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 23, 2018
Property Address	5444 REEF CIR, CARLSBAD, CA 92008-3735
Document Number	0000208080
Instrument Date	Apr 26, 2018
Instrument	208080
Transaction Type	Transfer
Record Updated	May 30, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	5444 REEF CIR CARLSBAD CA 920083735, CARLSBAD, CA 92008-3735
Investor	Possibly a Property Investor

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 24, 2018
Property Address	5444 REEF CIR, CARLSBAD, CA 92008-3735
Document Number	0000162327
Map Reference	MAP 15992
Instrument Date	Mar 19, 2018
Instrument	2018-0162327
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	CHICAGO 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	5444 REEF CIR, CARLSBAD, CA 92008-3735

Mortgage

Document Number	0000162328
Date	Apr 24, 2018
Instrument	2018-0162328

Lender

Name	OAKTREE FUNDING CORP
Type	Subprime Lender

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	May 1, 2025
Change Frequency	Annually
Min Rate At Change	5.75%
Max Rate At Change	10.7%
Index	1-Year LIBOR
Max Rate	10.7%

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		$1,224,414 (+2%) Land $580,291 Building $644,123
2025	$12,939.00 (+4.08%) Homeowner's exemption	$1,200,407 (+4.04%) Land $568,913 Building $631,494
2023	$12,432.00 (+1.58%) Homeowner's exemption	$1,153,795 Land $546,822 Building $606,973
2022	$12,239.00

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 80% of the US · lower than 88% of California
Wildfire Likelihood	0.01% 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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