5627 Rutgers Rd, La Jolla, CA 92037 Property Records

San Diego County property record for 5627 Rutgers Rd, La Jolla, CA 92037

Property Summary

Property Type	Single Family Home
Details	5 bd · 6.5 ba · 6,637 sqft · built 2010
Lot Size	0.445 acres (19,400 sqft)
Owner	2 Trust Names on File
Last Sale	$2,604,000 (Nov 2017)
Tax Bill	$55,394 (2025)
Deeds & Mortgages	May 2026 Mortgage Nov 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`358-233-06-00`

Property Details

APN / Parcel Number

Primary APN	`358-233-06-00`

Interior

Bedrooms	5 Beds
Full Baths	6.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	6,637 sqft Living Area

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Lot Area	19,400 sqft (0.445 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	5627 RUTGERS RD
City	LA JOLLA
State	CA
Zip	92037-7827
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-1-4
Legal Description	LOT 18 TR 003966
Legal Subdivision	LA JOLLA PALISADES
Legal Tract	003966
Legal Block	3
Legal Lot Number	18
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3000
Census Tract	8310

Owner

5627 Rutgers Rd is owner-occupied and held in a trust since January 2025.

Source: San Diego County records, as of July 28, 2026

Owner of Record	2 Trust Names on File
Mailing Address	5627 RUTGERS RD, LA JOLLA, CA 92037-7827
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 14, 2026	Deed of Trust, Mortgage · Conventional Mortgage MORGAN STANLEY BANK
Nov 14, 2017	Grant Deed, Transfer · ARM MORGAN STANLEY PRIVATE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 14, 2017 · Amount on File
Deed Sale	Nov 14, 2017 · Amount on File
Deed Document Number	2017531423
Last Transfer Date	Jan 31, 2025
Transfer Doc	0000029592
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	May 14, 2026
Property Address	5627 RUTGERS RD, LA JOLLA, CA 92037-7827
Document Number	0000138483
Instrument Date	May 8, 2026
Instrument	2026138483
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust, 165
Address	5627 RUTGERS RD, LA JOLLA, CA 92037-7827

Mortgage

Document Number	0000138483,
Date	May 14, 2026
Instrument	2026138483

Lender

Name	MORGAN STANLEY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.95%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 14, 2017
Property Address	5627 RUTGERS RD, LA JOLLA, CA 92037-7827
Document Number	0000531423
Map Reference	MAP3966
Instrument Date	Aug 31, 2017
Instrument	2017-0531423
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	LAWYERS TITLE

Transaction

Amount	Amount on Record
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	5524 CANDLELIGHT DR, LA JOLLA, CA 92037-7711

Mortgage

Document Number	0000531424
Date	Nov 14, 2017
Instrument	2017-0531424

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.02%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2024
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	8.02%
Index	1-Year LIBOR
Max Rate	8.02%

Tax Assessment & Valuation

The 2025 property tax bill for 5627 Rutgers Rd was $55,394.

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		$4,477,587 (+2%) Land $2,437,227 Building $2,040,360
2025	$55,394.00	$4,389,792 Land $2,389,439 Building $2,000,353
2023	$51,638.00 (+2.74%) Homeowner's exemption	$4,219,333 Land $2,296,655 Building $1,922,678
2022	$50,263.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 5627 Rutgers Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1978.

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
Flood Insurance Cost	Premium on File median of 11 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	2 (1978–1998)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Feb 1998 · Severe Winter Storms And Flooding

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

Wildfire risk around 5627 Rutgers Rd is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 98.4% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 719 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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