5828 Cactus Way, La Jolla, CA 92037 Property Records

San Diego County property record for 5828 Cactus Way, La Jolla, CA 92037

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,666 sqft · built 2000
Lot Size	0.67 acres (29,185 sqft)
Owner	2 Trust Names on File
Last Sale	$3,388,000 (May 2024)
Tax Bill	$43,796 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Sep 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`358-351-31-00`

Property Details

APN / Parcel Number

Primary APN	`358-351-31-00`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,666 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Lot Area	29,185 sqft (0.67 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	5828 CACTUS WAY
City	LA JOLLA
State	CA
Zip	92037-7069
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-1-4
Legal Description	LOT 183 TR 004473
Legal Subdivision	SOLEDAD CORONA ESTATES
Legal Tract	004473
Legal Block	3
Legal Lot Number	183
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3000
Census Tract	8301

Owner

5828 Cactus Way is owner-occupied and held in a trust since May 2024.

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

Owner of Record	2 Trust Names on File
Mailing Address	5828 CACTUS WAY, LA JOLLA, CA 92037-7069
Occupancy	Owner Occupied
Owner Type	Company
Vesting	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
Aug 30, 2022	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Sep 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage PCMA INC
May 30, 2017	Deed of Trust, Mortgage · Line of Credit SAN DIEGO COUNTY CU
Nov 9, 2018	Deed of Trust, Mortgage · Line of Credit US BANK NA
Dec 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOMEEXPRESS MORTGAGE CORP
Jul 30, 2018	Grant Deed, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 17, 2024 · Amount on File
Deed Sale	May 17, 2024 · Amount on File
Prior Sale	Jul 30, 2018 · Amount on File
Deed Document Number	2024124586
Prior Transfer Date	Jun 4, 2004
Prior Transfer Doc	0000543291
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	5828 CACTUS WAY, LA JOLLA, CA 92037-7069
Transaction Type	Mortgage
Record Updated	Sep 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5828 CACTUS WAY, LA JOLLA, CA 92037-7069

Mortgage

Document Number	0000346809
Date	Aug 30, 2022
Instrument	2022-0346809

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	BURLINGAME, CA 94010

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	5828 CACTUS WAY, LA JOLLA, CA 92037-7069
Transaction Type	Mortgage
Record Updated	Oct 6, 2021
Title Company	TICOR TITLE ORANGE COUNTY BR, TICOR TTL ORANGE CNTY BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5828 CACTUS WAY, LA JOLLA, CA 92037-7069

Mortgage

Document Number	0000678724
Date	Sep 28, 2021
Instrument	2021-0678724

Lender

Name	PCMA INC
Type	Non-Lending Institution
Address	IRVINE, CA 92614

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	481 Months
Due	Oct 1, 2061

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	5828 CACTUS WAY, LA JOLLA, CA 92037-7069
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000239381
Date	May 30, 2017
Instrument	2017-0239381

Lender

Name	SAN DIEGO COUNTY CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Jun 23, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly
Index	Prime Rate
Max Rate	17%

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	5828 CACTUS WAY, LA JOLLA, CA 92037-7069
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000468792
Date	Nov 9, 2018
Instrument	2018-0468792

Lender

Name	US BANK NA
Type	Bank
Address	OSHKOSH, WI 54902

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Oct 24, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	5828 CACTUS WAY, LA JOLLA, CA 92037-7069
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5828 CACTUS WAY, LA JOLLA, CA 92037-7069

Mortgage

Document Number	0000843598
Date	Dec 30, 2020
Instrument	2020-0843598

Lender

Name	HOMEEXPRESS MORTGAGE CORP
Type	Non-Lending Institution
Address	SANTA ANA, CA 92705

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	481 Months
Due	Jan 1, 2061

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 30, 2018
Property Address	5828 CACTUS WAY, LA JOLLA, CA 92037-7069
Document Number	0000308843
Map Reference	MAP 4473
Instrument Date	Jun 22, 2018
Instrument	2018-0308843
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	5828 CACTUS WAY, LA JOLLA, CA 92037-7069

Mortgage

Document Number	0000308844
Date	Jul 30, 2018
Instrument	2018-0308844

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 5828 Cactus Way was $43,796.

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		$3,524,875 (+2%) Land $2,809,080 Building $715,795
2025	$43,796.00	$3,455,760 Land $2,754,000 Building $701,760
2023	$24,984.00 (+2.74%) Homeowner's exemption	$2,043,678 Land $1,372,418 Building $671,260
2022	$24,318.00

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

Flood

FEMA maps place 5828 Cactus Way in Zone X, an area of minimal flood risk.

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	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

Wildfire risk around 5828 Cactus Way 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 281 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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