647 la Canada St, La Jolla, CA 92037 Property Records

San Diego County property record for 647 la Canada St, La Jolla, CA 92037

Property Summary

Property Type	Single Family Home
Details	5 bd · 6 ba · 4,503 sqft · built 2017
Lot Size	0.234 acres (10,200 sqft)
Owner	2 Individual Names on File
Last Sale	$2,550,000 (Jul 2015)
Tax Bill	$45,202 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Sep 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`357-241-01-00`

Property Details

APN / Parcel Number

Primary APN	`357-241-01-00`

Interior

Bedrooms	5 Beds
Full Baths	6 Baths
Stories	1 Story
Building Area	4,503 sqft Living Area

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Lot Area	10,200 sqft (0.234 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	647 LA CANADA ST
City	LA JOLLA
State	CA
Zip	92037-6721
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-1-7
Legal Description	BLK 30 LOT 1 TR 002055
Legal Subdivision	LA JOLLA HERMOSA
Legal Tract	002055
Legal Block	30
Legal Lot Number	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2013
Census Tract	8102

Owner

647 la Canada St is owned and occupied by two individuals who bought it in July 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	647 LA CANADA ST, LA JOLLA, CA 92037-6721
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2022	Deed of Trust, Mortgage · Line of Credit GREAT LAKES CU
Sep 27, 2017	Deed of Trust, Mortgage · ARM MUFG UNION BANK NA
Oct 22, 2019	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Dec 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2015 · Amount on File
Deed Sale	Jul 31, 2015 · Amount on File
Prior Sale	Jul 16, 2001
Deed Document Number	2015404820
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	647 LA CANADA ST, LA JOLLA, CA 92037-6721
Transaction Type	Mortgage
Record Updated	Dec 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	647 LA CANADA ST, LA JOLLA, CA 92037-6721

Mortgage

Document Number	0000453234
Date	Nov 30, 2022
Instrument	2022-0453234

Lender

Name	GREAT LAKES CU
Type	Credit Union
Address	NORTH CHICAGO, IL 60064

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 29, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	647 LA CANADA ST, LA JOLLA, CA 92037-6721
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000441990
Date	Sep 27, 2017
Instrument	2017-0441990

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	ARM
Amount	Amount on Record
Term	481 Months
Due	Oct 1, 2057

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Type Change Date	Oct 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.62%
Index	1-Year LIBOR
Max Rate	9.62%

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	647 LA CANADA ST, LA JOLLA, CA 92037-6721
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK TITLE CALIFORNIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000475179
Date	Oct 22, 2019
Instrument	2019-0475179

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	Nov 1, 2029
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.37%
Index	1-Year LIBOR
Max Rate	8.37%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	647 LA CANADA ST, LA JOLLA, CA 92037-6721
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	647 LA CANADA ST, LA JOLLA, CA 92037-6721

Mortgage

Document Number	0000771683
Date	Dec 3, 2020
Instrument	2020-0771683

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 647 la Canada St was $45,202 with a homeowner's exemption.

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		$3,646,679 (+2%) Land $2,545,752 Building $1,100,927
2025	$45,202.00 Homeowner's exemption	$3,575,177 Land $2,495,836 Building $1,079,341
2023	$42,046.00 (+2.74%) Homeowner's exemption	$3,436,351 Land $2,398,921 Building $1,037,430
2022	$40,926.00

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

Flood

FEMA maps place 647 la Canada St 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	4 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 647 la Canada St 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 97% of the US · lower than 97.8% 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 572 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

May also be available: T-Mobile, Verizon.

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