5646 Rutgers Rd, La Jolla, CA 92037 Property Records

San Diego County property record for 5646 Rutgers Rd, La Jolla, CA 92037

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,832 sqft · built 2013
Owner	Company Name on File
Last Sale	$1,870,000 (Nov 2013)
Tax Bill	$29,240 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Feb 2026 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`358-232-15-00`

Property Details

APN / Parcel Number

Primary APN	`358-232-15-00`
Alternative APN	`3582320800`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,832 sqft Living Area

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	3582320800
Street Address	5646 RUTGERS RD
City	LA JOLLA
State	CA
Zip	92037-7826
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-1-4
Legal Description	PAR 1 TR PM21715
Legal Subdivision	PARCEL MAP NO 21715
Legal Tract	3966
Legal Block	3
Legal Lot Number	78
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3007
Census Tract	8310

Owner

5646 Rutgers Rd is owned by a company that acquired it in September 2019.

Source: San Diego County records, as of September 30, 2026

Owner of Record	Company Name on File
Mailing Address	199 S HASKELL DR, EL CENTRO, CA 92243-5547
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2026	Deed of Trust, Mortgage · Conventional Mortgage NEW ERA BANK
Feb 4, 2026	Deed of Trust, Mortgage · Commercial Mortgage SMARTER CAPITAL INVESTMENTS LLC
Sep 26, 2017	Deed of Trust, Mortgage · ARM CROSSCOUNTRY MORTGAGE INC
Mar 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Sep 6, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC
Jul 20, 2018	Grant Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 21, 2013 · Amount on File
Deed Sale	Nov 21, 2013 · Amount on File
Prior Sale	Dec 28, 2012 · Amount on File
Deed Document Number	2013687999
Last Transfer Date	Sep 5, 2019
Transfer Doc	0000387458
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 23, 2026
Property Address	5646 RUTGERS RD, LA JOLLA, CA 92037-7826
Document Number	0000277446
Instrument Date	Sep 21, 2026
Instrument	2026277446
Transaction Type	Mortgage
Record Updated	Sep 30, 2026
Title Company	WFG NATIONAL TITLE COMPANY, WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust, 221
Address	199 S HASKELL DR, EL CENTRO, CA 92243-5547

Mortgage

Document Number	0000277446,
Date	Sep 23, 2026
Instrument	2026277446

Lender

Name	NEW ERA BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	301 Months
Due	Oct 5, 2051

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	5646 RUTGERS RD, LA JOLLA, CA 92037-7826
Transaction Type	Mortgage
Record Updated	Feb 12, 2026
Title Company	CALIFORNIA BEST TITLE CO, CALIFORNIA BEST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	199 S HASKELL DR, EL CENTRO, CA 92243-5547

Mortgage

Document Number	0000031817
Date	Feb 4, 2026
Instrument	2026-0031817

Lender

Name	SMARTER CAPITAL INVESTMENTS LLC
Type	Non-Lending Institution
Address	SAN DIEGO, CA 92101

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	25 Months
Due	Mar 1, 2028

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	5646 RUTGERS RD, LA JOLLA, CA 92037-7826
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	TICOR TITLE SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000441842
Date	Sep 26, 2017
Instrument	2017-0441842

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Oct 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.25%
Index	1-Year LIBOR
Max Rate	8.25%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	5646 RUTGERS RD, LA JOLLA, CA 92037-7826
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5646 RUTGERS RD, LA JOLLA, CA 92037-7826

Mortgage

Document Number	0000194854
Date	Mar 12, 2021
Instrument	2021-0194854

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

September 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 6, 2019
Property Address	5646 RUTGERS RD, LA JOLLA, CA 92037-7826
Document Number	0000387458
Map Reference	FILE 2019-7000330
Instrument Date	Sep 5, 2019
Instrument	2019-0387458
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	TICOR TITLE SAN DIEGO BRANCH

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	Family Trust
Address	199 S HASKELL DR, EL CENTRO, CA 92243-5547

Mortgage

Document Number	0000387459
Date	Sep 6, 2019
Instrument	2019-0387459

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

Mortgage

Document Number	0000387460
Date	Sep 6, 2019
Instrument	2019-0387460

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 23, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 20, 2018
Property Address	5646 RUTGERS RD, LA JOLLA, CA 92037-7826
Document Number	0000295884
Instrument Date	Jul 14, 2018
Instrument	295884
Transaction Type	Transfer
Record Updated	Aug 10, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5646 RUTGERS RD LA JOLLA CA 920377826, LA JOLLA, CA 92037-7826

Tax Assessment & Valuation

The 2025 property tax bill for 5646 Rutgers Rd was $29,240.

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		$2,338,199 (+2%) Land $1,437,931 Building $900,268
2025	$29,240.00	$2,292,353 Land $1,409,737 Building $882,616
2023	$27,026.00 (+2.73%)	$2,203,341 Land $1,354,997 Building $848,344
2022	$26,307.00

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

Flood

FEMA maps place 5646 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 5646 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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