7228 Rue Michael, La Jolla, CA 92037 Property Records

San Diego County property record for 7228 Rue Michael, La Jolla, CA 92037

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,805 sqft · built 1980
Lot Size	0.285 acres (12,400 sqft)
Owner	Company Name on File
Last Sale	$1,650,000 (Sep 2008)
Tax Bill	$27,055 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`352-342-06-00`

Property Details

APN / Parcel Number

Primary APN	`352-342-06-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,805 sqft Living Area

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Lot Area	12,400 sqft (0.285 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	7228 RUE MICHAEL
City	LA JOLLA
State	CA
Zip	92037-3912
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LJSPD-SF
Legal Description	LOT 51 TR 003926
Legal Subdivision	CHATEAU VILLE
Legal Tract	003926
Legal Block	2
Legal Lot Number	51
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2015
Census Tract	8303

Owner

Source: San Diego County assessment roll, 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 File
Mailing Address	7228 RUE MICHAEL, LA JOLLA, CA 92037-3912
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage MUFG UNION BANK NA
Jun 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage CITIBANK NA

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 4, 2008 · Amount on Record
Deed Sale	Sep 4, 2008 · Amount on Record
Prior Sale	Oct 20, 1997 · Amount on Record
Deed Document Number	2008472002
Prior Transfer Date	May 1, 2007
Prior Transfer Doc	0000357449
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	7228 RUE MICHAEL, LA JOLLA, CA 92037-3912
Transaction Type	Mortgage
Record Updated	Aug 31, 2021
Title Company	TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7228 RUE MICHAEL, LA JOLLA, CA 92037-3912

Mortgage

Document Number	0000595780
Date	Aug 20, 2021
Instrument	2021-0595780

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.25%
Type Change Date	Sep 1, 2031
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	4.25%
Index	Other
Max Rate	8.25%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	7228 RUE MICHAEL, LA JOLLA, CA 92037-3912
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000290210
Date	Jun 8, 2020
Instrument	2020-0290210

Lender

Name	CITIBANK NA
Type	Bank
Address	O FALLON, MO 63368

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Jul 1, 2030
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	7.75%
Index	1-Year LIBOR
Max Rate	7.75%

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	San Diego City
Unified School District	San Diego City Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$2,167,219 (+2%) Land $1,838,856 Building $328,363
2025	$27,055.00 (+8.37%) Homeowner's exemption	$2,124,725 (+4.04%) Land $1,802,800 Building $321,925
2023	$24,966.00 (+2.74%) Homeowner's exemption	$2,042,221 Land $1,732,796 Building $309,425
2022	$24,301.00

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
Flood Insurance Cost	Premium on Record median of 19 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	19 in force
Nearby Flood Claims	11 (1978–2019)
Claims Outside the SFHA	7 of 11
Most Recent Claim	Dec 2019 · other causes
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 2 claims

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 63% of the US · lower than 78% of California
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

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 204 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

May also be available: California Internet.

Nearby Properties on Rue Michael

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures