5645 Rutgers Rd, La Jolla, CA 92037 Property Records

San Diego County property record for 5645 Rutgers Rd, La Jolla, CA 92037

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,985 sqft · built 1975
Lot Size	0.39 acres (17,000 sqft)
Owner	Company Name on Record
Last Sale	$1,600,000 (Dec 2014)
Tax Bill	$24,531 (2025)
Deeds & Mortgages	Apr 2017 Line of Credit Jun 2020 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`358-233-10-00`

Property Details

APN / Parcel Number

Primary APN	`358-233-10-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,985 sqft Living Area

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Lot Area	17,000 sqft (0.39 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	5645 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 16 POR TR 003966
Legal Subdivision	LA JOLLA PALISADES
Legal Tract	003966
Legal Block	3
Legal Lot Number	16
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3000
Census Tract	8310

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	Company Name on Record
Mailing Address	5645 RUTGERS RD, LA JOLLA, CA 92037-7827
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2017	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Jun 25, 2020	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Apr 13, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Apr 13, 2020	Quit Claim Deed, Transfer FIRST AMERICAN TITLE
Apr 25, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 9, 2014 · Amount on Record
Deed Sale	Dec 9, 2014 · Amount on Record
Prior Sale	Sep 22, 2008 · Amount on Record
Deed Document Number	2014541347
Last Transfer Date	Apr 6, 2020
Transfer Doc	0000185655
Record Updated	Oct 29, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	5645 RUTGERS RD, LA JOLLA, CA 92037-7827
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000156966
Date	Apr 7, 2017
Instrument	2017-0156966

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 25, 2047

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	5645 RUTGERS RD, LA JOLLA, CA 92037-7827
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000332675
Date	Jun 25, 2020
Instrument	2020-0332675

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jul 16, 2050

April 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 13, 2020
Property Address	5645 RUTGERS RD, LA JOLLA, CA 92037-7827
Document Number	0000185653
Map Reference	MAP 3966
Instrument Date	Apr 7, 2020
Instrument	2020-0185653
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	FIRST AMERICAN TITLE COMPANY

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
Relationship	Joint Tenants
Address	5645 RUTGERS RD, LA JOLLA, CA 92037-7827

Mortgage

Document Number	0000185654
Date	Apr 13, 2020
Instrument	2020-0185654

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2035

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 13, 2020
Property Address	5645 RUTGERS RD, LA JOLLA, CA 92037-7827
Document Number	0000185655
Instrument Date	Apr 6, 2020
Instrument	185655
Transaction Type	Transfer
Record Updated	Apr 27, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	5645 RUTGERS RD LA JOLLA CA 920377827, LA JOLLA, CA 92037-7827

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 25, 2018
Property Address	5645 RUTGERS RD, LA JOLLA, CA 92037-7827
Document Number	0000163381
Instrument Date	Apr 21, 2018
Instrument	163381
Transaction Type	Transfer
Record Updated	May 1, 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	5645 RUTGERS RD LA JOLLA CA 920377827, LA JOLLA, CA 92037-7827

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		$1,961,410 (+2%) Land $1,563,001 Building $398,409
2025	$24,531.00 (+8.59%) Homeowner's exemption	$1,922,952 (+4.04%) Land $1,532,354 Building $390,598
2023	$22,590.00 (+2.74%) Homeowner's exemption	$1,848,283 Land $1,472,851 Building $375,432
2022	$21,988.00

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
Flood Insurance Cost	Premium on Record 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

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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