7280 Circulo Papayo, Carlsbad, CA 92009 Property Records

San Diego County property record for 7280 Circulo Papayo, Carlsbad, CA 92009

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 4,225 sqft · built 2004
Lot Size	0.225 acres (9,803 sqft)
Owner	Company Name on Record
Last Sale	$1,031,000 (Dec 2004)
Tax Bill	$18,006 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Oct 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`223-612-20-00`

Property Details

APN / Parcel Number

Primary APN	`223-612-20-00`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Building Area	4,225 sqft Living Area

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Lot Area	9,803 sqft (0.225 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	7280 CIRCULO PAPAYO
City	CARLSBAD
State	CA
Zip	92009-8698
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-C
Legal Description	LOT 59 TR 014379
Legal Subdivision	CARLSBAD COURT
Legal Tract	014379
Legal Block	4
Legal Lot Number	59
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	4
Census Block	4001
Census Tract	17109

Owner

Source: San Diego County records, as of July 28, 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	7280 CIRCULO PAPAYO, CARLSBAD, CA 92009-8698
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2022	Deed of Trust, Mortgage · Line of Credit WESCOM CENTRAL CU
Oct 31, 2019	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Aug 13, 2019	Deed of Trust, Mortgage · Line of Credit US BANK NA
Oct 25, 2019	Loan Modification, Mortgage · Line of Credit US BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 16, 2004 · Amount on Record
Deed Sale	Dec 16, 2004 · Amount on Record
Deed Document Number	20041186076
Last Transfer Date	Jul 15, 2015
Transfer Doc	0000395639
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	7280 CIRCULO PAPAYO, CARLSBAD, CA 92009-8698
Transaction Type	Mortgage
Record Updated	Sep 2, 2022
Title Company	FIRST AMERICAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7280 CIRCULO PAPAYO, CARLSBAD, CA 92009-8698

Mortgage

Document Number	0000339381
Date	Aug 24, 2022
Instrument	2022-0339381

Lender

Name	WESCOM CENTRAL CU
Type	Credit Union
Address	ANAHEIM, CA 92807

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Sep 25, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	7280 CIRCULO PAPAYO, CARLSBAD, CA 92009-8698
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000496329
Date	Oct 31, 2019
Instrument	2019-0496329

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Type Change Date	Nov 1, 2029
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.62%
Index	1-Year CMT
Max Rate	8.62%

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	7280 CIRCULO PAPAYO, CARLSBAD, CA 92009-8698
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI US INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000339610
Date	Aug 13, 2019
Instrument	2019-0339610

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jul 15, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SAN DIEGO CA
Property Address	7280 CIRCULO PAPAYO, CARLSBAD, CA 92009-8698
Document Number	0000496328
Instrument Date	Oct 25, 2019
Transaction Type	Mortgage
Record Updated	Nov 8, 2019
Title Company	TICOR TITLE INSURANCE COMPANY, TICOR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	7280 CIRCULO PAPAYO CARLSBAD CA 920098698, CARLSBAD, CA 92009-8698

Mortgage

Document Number	0000496328
Date	Oct 31, 2019
Instrument	496328

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 30, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Municipality	Carlsbad City
Elementary School District	Encinitas Union Elementary School District (KG - 06)
Secondary School District	San Dieguito Union High School District (07 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,576,998 (+2%) Land $497,618 Building $1,079,380
2025	$18,006.00 (+6.37%) Homeowner's exemption	$1,546,077 (+4.04%) Land $487,861 Building $1,058,216
2023	$16,927.00 (+2.12%) Homeowner's exemption	$1,486,043 Land $468,918 Building $1,017,125
2022	$16,576.00

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	3 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 63% of the US · lower than 78% of California
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect 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	OLIVENHAIN MWD serves 86,458 people · EPA ID CA3710029
Water Source	Purchased surface water from several systems
Last State Inspection	May 2024
Lead	Under 1 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 419 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
AT&T DSL · Fiber in parts of the area	100 / 20

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

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