654 S Nardo Ave, Solana Beach, CA 92075 Property Records

San Diego County property record for 654 S Nardo Ave, Solana Beach, CA 92075

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,032 sqft · built 1975
Lot Size	0.234 acres (10,200 sqft)
Owner	Trust Name on File
Last Sale	$288,000 (May 1989)
Tax Bill	$7,520 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Jan 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`298-121-51-00`

Property Details

APN / Parcel Number

Primary APN	`298-121-51-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,032 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Lot Area	10,200 sqft (0.234 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	654 S NARDO AVE
City	SOLANA BEACH
State	CA
Zip	92075-2308
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LRc
Legal Description	LOT 2 TR 007331
Legal Subdivision	GRANDVIEW TERRACE
Legal Tract	007331
Legal Block	2
Legal Lot Number	2
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2000
Census Tract	17307

Owner

654 S Nardo Ave is owner-occupied and held in a trust since April 2016.

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

Owner of Record	Trust Name on File
Mailing Address	654 S NARDO AVE, SOLANA BEACH, CA 92075-2308
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable 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
Apr 19, 2022	Deed of Trust, Mortgage · Conventional Mortgage CALIFORNIA CU
Jan 10, 2017	Deed of Trust, Mortgage · Line of Credit NORTH ISLAND FINANCIAL CU
Sep 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage CALIFORNIA CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 23, 1989 · Amount on File
Deed Sale	May 23, 1989 · Amount on File
Prior Sale	Feb 18, 1988 · Amount on File
Deed Document Number	1989270664
Last Transfer Date	Apr 14, 2016
Transfer Doc	0000178773
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	654 S NARDO AVE, SOLANA BEACH, CA 92075-2308
Transaction Type	Mortgage
Record Updated	Apr 27, 2022
Title Company	CALIFORNIA TITLE COMPANY, CALIFORNIA MEMBERS TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	654 S NARDO AVE, SOLANA BEACH, CA 92075-2308

Mortgage

Document Number	0000169520
Date	Apr 19, 2022
Instrument	2022-0169520

Lender

Name	CALIFORNIA CU
Type	Credit Union
Address	GLENDALE, CA 91203

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	May 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	8%
Index	Other
Max Rate	8%

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	654 S NARDO AVE, SOLANA BEACH, CA 92075-2308
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CALIFORNIA MEMBERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012514
Date	Jan 10, 2017
Instrument	2017-0012514

Lender

Name	NORTH ISLAND FINANCIAL CU
Type	Credit Union
Address	SAN DIEGO, CA 92186

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	654 S NARDO AVE, SOLANA BEACH, CA 92075-2308
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CALIFORNIA MEMBERS TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	654 S NARDO AVE, SOLANA BEACH, CA 92075-2308

Mortgage

Document Number	0000549306
Date	Sep 18, 2020
Instrument	2020-0549306

Lender

Name	CALIFORNIA CU
Type	Credit Union
Address	GLENDALE, CA 91203

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Interest

Rate Type	Adjustable Rate
Type Change Date	Oct 1, 2030
Change Frequency	Annually
Min Rate At Change	2.37%
Max Rate At Change	8.12%
Index	1-Year LIBOR
Max Rate	8.12%

Tax Assessment & Valuation

The 2025 property tax bill for 654 S Nardo Ave was $7,520 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	Solana Beach City
Secondary School District	San Dieguito Union High School District (07 - 12)
Elementary School District	Solana Beach Elementary School District (KG - 06)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$642,473 (+2%) Land $255,387 Building $387,086
2025	$7,520.00 Homeowner's exemption	$629,877 Land $250,380 Building $379,497
2023	$7,176.00 (+1.48%) Homeowner's exemption	$605,419 Land $240,658 Building $364,761
2022	$7,071.00

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

Flood

FEMA maps place 654 S Nardo Ave 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
Nearby Flood Policies	7 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

The area around 654 S Nardo Ave 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SANTA FE I.D. serves 21,539 people · EPA ID CA3710023
Water Source	Surface water
Last State Inspection	Jun 2024
Lead	2 ppb (2023–2025) 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 453 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
FiberFirst Fiber	5,000 / 5,000
Ting Fiber	2,000 / 2,000
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Spectrum Cable · Fiber in parts of the area	1,000 / 50
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL	100 / 20

May also be available: GeoLinks, San Diego Broadband, Verizon.

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