5540 Taft Ave, La Jolla, CA 92037 Property Records

San Diego County property record for 5540 Taft Ave, La Jolla, CA 92037

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 2,320 sqft · built 2000
Lot Size	0.96 acres (4,185 sqft)
Owner	2 Individual Names on Record
Last Sale	$274,500 (May 1997)
Tax Bill	$12,344 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit Mar 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`357-551-20-00`

Property Details

APN / Parcel Number

Primary APN	`357-551-20-00`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	2,320 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Conventional
Exterior Material	Stucco
Roof Material	Composition Shingle
Lot Area	4,185 sqft (0.96 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	5540 TAFT AVE
City	LA JOLLA
State	CA
Zip	92037-7642
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-1-7
Legal Description	BLK 11 LOT 24 TR 001083
Legal Subdivision	BIRD ROCK ADD
Legal Tract	001083
Legal Block	11
Legal Lot Number	24
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3010
Census Tract	8102

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	2 Individual Names on Record
Mailing Address	5540 TAFT AVE, LA JOLLA, CA 92037-7642
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2023	Deed of Trust, Mortgage · Line of Credit NEW AMERICAN FUNDING
Mar 17, 2022	Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC
May 24, 2017	Deed of Trust, Mortgage · ARM MUFG UNION BANK NA
Jan 16, 2019	Deed of Trust, Mortgage · ARM BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 1997 · Amount on Record
Deed Sale	May 1, 1997 · Amount on Record
Deed Document Number	1997201708
Last Transfer Date	Sep 10, 2004
Transfer Doc	0001076666
Record Updated	Sep 20, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	5540 TAFT AVE, LA JOLLA, CA 92037-7642
Transaction Type	Mortgage
Record Updated	Aug 14, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5540 TAFT AVE, LA JOLLA, CA 92037-7642

Mortgage

Document Number	0000209295
Date	Aug 3, 2023
Instrument	2023-0209295

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution
Address	TUSTIN, CA 92780

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 2, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	5540 TAFT AVE, LA JOLLA, CA 92037-7642
Transaction Type	Mortgage
Record Updated	Mar 31, 2022
Title Company	WESTERN RESOURCES TITLE, WESTERN RESOURCES TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5540 TAFT AVE, LA JOLLA, CA 92037-7642

Mortgage

Document Number	0000120355
Date	Mar 17, 2022
Instrument	2022-0120355

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	5540 TAFT AVE, LA JOLLA, CA 92037-7642
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000233835
Date	May 24, 2017
Instrument	2017-0233835

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	Jun 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	6.12%
Index	1-Year CMT
Max Rate	10.1%

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	5540 TAFT AVE, LA JOLLA, CA 92037-7642
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE COMPANY SD

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5540 TAFT AVE, LA JOLLA, CA 92037-7642

Mortgage

Document Number	0000018271
Date	Jan 16, 2019
Instrument	2019-0018271

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Feb 1, 2024
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	7.25%
Index	1-Year LIBOR
Max Rate	10.2%

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		$958,878 (+2%) Land $390,386 Building $568,492
2025	$12,344.00 (+11.04%) Homeowner's exemption	$940,078 (+4.04%) Land $382,732 Building $557,346
2023	$11,117.00 (+2.73%) Homeowner's exemption	$903,575 Land $367,871 Building $535,704
2022	$10,822.00

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	3 (1978–2023)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Mar 2023 · rainfall accumulation

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	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.

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 771 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: T-Mobile, Verizon.

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