San Diego County property record for 604 Palomar Ave, La Jolla, CA 92037
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,088 sqft · built 1947 |
| Lot Size | 0.158 acres (6,896 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $925,000 (Nov 2009) |
| Tax Bill | $15,674 (2025) |
| Deeds & Mortgages | May 2026 Line of Credit Dec 2023 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 351-612-08-00 |
| Primary APN | 351-612-08-00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,088 sqft Living Area |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 1947 |
| Lot Area | 6,896 sqft (0.158 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 1 Parking Space |
| Street Address | 604 PALOMAR AVE |
|---|---|
| City | LA JOLLA |
| State | CA |
| Zip | 92037-6144 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RM-1-1 |
| Legal Description | LOT 27 TR 001993 |
| Legal Subdivision | LA JOLLA GABLES |
| Legal Tract | 001993 |
| Legal Block | 5 |
| Legal Lot Number | 27 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | SAN DIEGO |
| Census Block Group | 5 |
| Census Block | 5017 |
| Census Tract | 8101 |
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 | 604 PALOMAR AVE, LA JOLLA, CA 92037-6144 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| May 8, 2026 | Deed of Trust, Mortgage · Line of Credit OUR FEDERAL CREDIT UNION |
| Dec 12, 2023 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| May 6, 2021 | Deed of Trust, Mortgage · VA Mortgage S&S FINANCIAL |
| Oct 18, 2017 | Deed of Trust, Mortgage · VA Mortgage CARDINAL FINANCIAL COMPANY LP |
| Aug 6, 2020 | Deed of Trust, Mortgage · VA Mortgage HOME POINT FINANCIAL CORPORATION |
| Oct 17, 2019 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 5, 2009 · Amount on Record |
| Deed Sale | Nov 5, 2009 · Amount on Record |
| Deed Document Number | 2009616812 |
| Prior Transfer Date | Dec 16, 1995 |
| Prior Transfer Doc | 0000596606 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | May 8, 2026 |
| Property Address | 604 PALOMAR AVE, LA JOLLA, CA 92037-6144 |
| Document Number | 0000132270 |
| Instrument Date | Apr 17, 2026 |
| Instrument | 2026132270 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | AMERICAN LAND TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 604 PALOMAR AVE, LA JOLLA, CA 92037-6144 |
| Document Number | 0000132270, |
|---|---|
| Date | May 8, 2026 |
| Instrument | 2026132270 |
| Name | OUR FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 28, 2056 |
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 604 PALOMAR AVE, LA JOLLA, CA 92037-6144 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2023 |
| Name | Verified Name |
|---|---|
| Address | 604 PALOMAR AVE, LA JOLLA, CA 92037-6144 |
| Document Number | 0000341527 |
|---|---|
| Date | Dec 12, 2023 |
| Instrument | 2023-0341527 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 5, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 604 PALOMAR AVE, LA JOLLA, CA 92037-6144 |
| Transaction Type | Mortgage |
| Record Updated | May 14, 2021 |
| Title Company | WFT NATIONAL TITLE, WFG NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 604 PALOMAR AVE, LA JOLLA, CA 92037-6144 |
| Document Number | 0000350950 |
|---|---|
| Date | May 6, 2021 |
| Instrument | 2021-0350950 |
| Name | S&S FINANCIAL |
|---|---|
| Type | Non-Lending Institution |
| Address | LAGUNA HILLS, CA 92653 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 604 PALOMAR AVE, LA JOLLA, CA 92037-6144 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000483983 |
|---|---|
| Date | Oct 18, 2017 |
| Instrument | 2017-0483983 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.25% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jan 1, 2023 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 4.25% |
| Index | 1-Year CMT |
| Margin | 2 |
| Max Rate | 8.25% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 604 PALOMAR AVE, LA JOLLA, CA 92037-6144 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | NATIONWIDE TTL CLEARING INC |
| Name | Verified Name |
|---|
| Document Number | 0000437950 |
|---|---|
| Date | Aug 6, 2020 |
| Instrument | 2020-0437950 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | PARSIPPANY, NJ 07054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 604 PALOMAR AVE, LA JOLLA, CA 92037-6144 |
| Document Number | 0000487824 |
| Instrument Date | Oct 17, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 6, 2019 |
| Title Company | TITLE 365 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 604 PALOMAR AVE LA JOLLA CA 920376144, LA JOLLA, CA 92037-6144 |
| Document Number | 0000487824 |
|---|---|
| Date | Oct 28, 2019 |
| Instrument | 487824 |
| Name | PENNYMAC |
|---|---|
| Address | 3043 TOWNSGATE RD # 200, WESTLAKE VILLAGE, CA 91361-3027 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 27, 2049 |
Source: San Diego County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Municipality | San Diego City |
| Unified School District | San Diego City Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $1,239,328 (+2%) Land $1,164,313 Building $75,015 | |
| 2025 | $15,674.00 (+7.53%) Homeowner's exemption | $1,215,029 (+4.04%) Land $1,141,484 Building $73,545 |
| 2024 | $14,577.00 (+2.26%) | |
| 2023 | $14,255.00 (+2.75%) Homeowner's exemption | $1,167,849 Land $1,097,159 Building $70,690 |
| 2022 | $13,874.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 | 5 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.2% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 709 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless, DSL in parts of the area | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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