6651 Surf Crest St, Carlsbad, CA 92011 Property Records

San Diego County property record for 6651 Surf Crest St, Carlsbad, CA 92011

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,628 sqft · built 2018
Lot Size	0.151 acres (6,581 sqft)
Owner	Company Name on Record
Last Sale	$1,075,000 (Jul 2018)
Tax Bill	$12,902 (2025)
Deeds & Mortgages	Jan 2026 Second Mortgage Oct 2022 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`215-043-23-00`

Property Details

APN / Parcel Number

Primary APN	`215-043-23-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,628 sqft Living Area

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Lot Area	6,581 sqft (0.151 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	6651 SURF CREST ST
City	CARLSBAD
State	CA
Zip	92011-2643
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 10 TR 016189
Legal Subdivision	CARLSBAD 13
Legal Tract	016189
Legal Block	1
Legal Lot Number	10
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1005
Census Tract	22102

Owner

Source: San Diego County records, as of July 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	6651 SURF CREST ST, CARLSBAD, CA 92011-2643
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SOFI BANK NA
Oct 18, 2022	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Feb 22, 2020	Deed of Trust, Mortgage JMAC LENDING
Oct 16, 2018	Quit Claim Deed, Transfer OTHER
Jul 2, 2018	Grant Deed, Transfer PRIME LNDG
Jun 7, 2018	Loan Modification, Mortgage WESTERN ALLIANCE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 2, 2018 · Amount on Record
Deed Sale	Jul 2, 2018 · Amount on Record
Deed Document Number	2018270263
Last Transfer Date	Sep 20, 2018
Transfer Doc	0000430720
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	6651 SURF CREST ST, CARLSBAD, CA 92011-2643
Transaction Type	Mortgage
Record Updated	Jan 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6651 SURF CREST ST, CARLSBAD, CA 92011-2643

Mortgage

Document Number	0000015106
Date	Jan 20, 2026
Instrument	2026-0015106

Lender

Name	SOFI BANK NA
Type	Bank
Address	SALT LAKE CITY, UT 84121

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2056

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	6651 SURF CREST ST, CARLSBAD, CA 92011-2643
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6651 SURF CREST ST, CARLSBAD, CA 92011-2643

Mortgage

Document Number	0000402145
Date	Oct 18, 2022
Instrument	2022-0402145

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28277

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 17, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	6651 SURF CREST ST, CARLSBAD, CA 92011-2643
Document Number	0000103653
Instrument Date	Feb 22, 2020
Transaction Type	Mortgage
Record Updated	Mar 9, 2020
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6651 SURF CREST ST CARLSBAD CA 920112643, CARLSBAD, CA 92011-2643

Mortgage

Document Number	0000103653
Date	Feb 28, 2020
Instrument	103653

Lender

Name	JMAC LENDING
Type	Funding / Finance Company
Address	SANTA ANA, CA 92705

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 27, 2050

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 16, 2018
Property Address	6651 SURF CREST ST, CARLSBAD, CA 92011-2643
Document Number	0000430720
Instrument Date	Sep 20, 2018
Instrument	430720
Transaction Type	Transfer
Record Updated	Oct 29, 2018
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	6651 SURF CREST ST CARLSBAD CA 92011, CARLSBAD, CA 92011

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 2, 2018
Property Address	6651 SURF CREST ST, CARLSBAD, CA 92011-2643
Document Number	0000270263
Instrument Date	Jun 5, 2018
Instrument	270263
Transaction Type	Transfer
Record Updated	Jul 17, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,182.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6651 SURF CREST ST CARLSBAD CA 92011, CARLSBAD, CA 92011

Mortgage

Document Number	270264
Date	Jul 2, 2018
Instrument	270264

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2048

June 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 7, 2018
Property Address	6651 SURF CREST ST, CARLSBAD, CA 92011-2643
Instrument Date	May 30, 2018
Instrument	231517
Transaction Type	Mortgage
Record Updated	Jun 18, 2018
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1200 N JEFFERSON ST #J ANAHEIM CA 928071629, J, ANAHEIM, CA 92807-1629

Mortgage

Document Number	0000231517
Date	Jun 7, 2018
Instrument	231517

Lender

Name	WESTERN ALLIANCE BK
Type	Bank
Address	12220 EL CAMINO REAL # 220, SAN DIEGO, CA 92130-2091

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 2026

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Municipality	Carlsbad City
Unified School District	Carlsbad Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,222,677 (+2%) Land $863,610 Building $359,067
2025	$12,902.00 (+4.09%) Homeowner's exemption	$1,198,704 (+4.04%) Land $846,677 Building $352,027
2023	$12,395.00 (+1.58%) Homeowner's exemption	$1,152,158 Land $813,800 Building $338,358
2022	$12,202.00

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

Flood

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	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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.8% 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	CARLSBAD MWD serves 96,371 people · EPA ID CA3710005
Water Source	Purchased surface water from several systems
Last State Inspection	Sep 2023
Lead	Under 1 ppb (2022–2024) 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 383 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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