San Diego County property record for 637 Arenas St, La Jolla, CA 92037
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,396 sqft · built 1988 |
| Lot Size | 0.92 acres (3,993 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $3,450,000 (Sep 2025) |
| Tax Bill | $42,539 (2025) |
| Deeds & Mortgages | Aug 2022 Sale & Mortgage Oct 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 351-151-10-00 |
| Primary APN | 351-151-10-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,396 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Roof Material | Composition Shingle |
| Lot Area | 3,993 sqft (0.92 acres) |
| Lot Dimensions | 80 ft deep x 50 ft wide |
| Garage Type | Detached |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 637 ARENAS ST |
|---|---|
| City | LA JOLLA |
| State | CA |
| Zip | 92037-5404 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RM-1-1 |
| Legal Description | LOT 12 TR 001939 |
| Legal Subdivision | LA JOLLA CREST |
| Legal Tract | 001939 |
| Legal Block | 1 |
| Legal Lot Number | 12 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | SAN DIEGO |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 8101 |
637 Arenas St is owned and occupied by two individuals who bought it in September 2025.
Source: San Diego County records, as of July 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 637 ARENAS ST, LA JOLLA, CA 92037-5404 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 25, 2022 | Grant Deed, Transfer · Conventional Mortgage BAY EQUITY LLC |
| Oct 18, 2019 | Deed of Trust, Mortgage · Conventional Mortgage CITIBANK NA |
| Feb 19, 2021 | Grant Deed, Transfer · VA Mortgage WEST COAST FUNDING & REAL ESTATE SV |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 3, 2025 · Amount on File |
| Deed Sale | Sep 3, 2025 · Amount on File |
| Prior Sale | Aug 25, 2022 · Amount on File |
| Deed Document Number | 2025243792 |
| Prior Transfer Date | Dec 24, 2014 |
| Prior Transfer Doc | 0000010931 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Aug 25, 2022 |
| Property Address | 637 ARENAS ST, LA JOLLA, CA 92037-5404 |
| Document Number | 0000342699 |
| Map Reference | MAP 1939 |
| Instrument Date | Jul 8, 2022 |
| Instrument | 2022-0342699 |
| Transaction Type | Transfer |
| Record Updated | Sep 5, 2022 |
| Title Company | CHICAGO TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 637 ARENAS ST, LA JOLLA, CA 92037-5404 |
| Document Number | 0000342700 |
|---|---|
| Date | Aug 25, 2022 |
| Instrument | 2022-0342700 |
| Name | BAY EQUITY LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.75% |
| Type Change Date | Sep 1, 2029 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 6.75% |
| Index | Other |
| Max Rate | 9.75% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 637 ARENAS ST, LA JOLLA, CA 92037-5404 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TICOR TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000469909 |
|---|---|
| Date | Oct 18, 2019 |
| Instrument | 2019-0469909 |
| Name | CITIBANK NA |
|---|---|
| Type | Bank |
| Address | O FALLON, MO 63368 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3% |
| Type Change Date | Nov 1, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8% |
| Index | 1-Year LIBOR |
| Max Rate | 8% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Feb 19, 2021 |
| Property Address | 637 ARENAS ST, LA JOLLA, CA 92037-5404 |
| Document Number | 0000132054 |
| Map Reference | MAP 1939 |
| Instrument Date | Jan 21, 2021 |
| Instrument | 2021-0132054 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Title Company | CALIFORNIA TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property with Right of Survivorship |
| Address | 637 ARENAS ST, LA JOLLA, CA 92037-5404 |
| Document Number | 0000132055 |
|---|---|
| Date | Feb 19, 2021 |
| Instrument | 2021-0132055 |
| Name | WEST COAST FUNDING & REAL ESTATE SV |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2051 |
The 2025 property tax bill for 637 Arenas St was $42,539.
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 | $3,450,000 (+2.82%) Land $2,800,000 Building $650,000 | |
| 2025 | $42,539.00 | $3,355,290 Land $2,913,120 Building $442,170 |
| 2023 | $39,542.00 (+39.93%) | $3,225,000 Land $2,800,000 Building $425,000 |
| 2022 | $28,258.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 637 Arenas St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 3, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
The area around 637 Arenas St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 658 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless 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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