7291 Circulo Papayo, Carlsbad, CA 92009 Property Records

San Diego County property record for 7291 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	0.287 acres (12,509 sqft)
Owner	Trust Name on File
Last Sale	$1,225,000 (Sep 2008)
Tax Bill	$18,418 (2025)
Deeds & Mortgages	Mar 2024 Second Mortgage Nov 2023 Second Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`223-612-02-00`

Property Details

APN / Parcel Number

Primary APN	`223-612-02-00`

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	12,509 sqft (0.287 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	7291 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 41 TR 014379
Legal Subdivision	CARLSBAD COURT
Legal Tract	014379
Legal Block	4
Legal Lot Number	41
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	4
Census Block	4002
Census Tract	17109

Owner

7291 Circulo Papayo is held in a trust since April 2019.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Trust Name on File
Mailing Address	7291 CIRCULO PAPAYO, CARLSBAD, CA 92009-8698
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FUNDLOANS CAPITAL
Nov 6, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FUNDLOANS CAPITAL
Mar 30, 2023	Deed of Trust, Mortgage · Conventional Mortgage FUNDLOANS CAPITAL
Jul 20, 2022	Deed of Trust, Mortgage · Conventional Mortgage FUNDLOANS CAPITAL
Apr 29, 2019	Quit Claim Deed, Transfer FIDELITY NATIONAL TITLE
Apr 29, 2019	Intrafamily Transfer, Transfer · ARM DROP MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 18, 2008 · Amount on File
Deed Sale	Sep 18, 2008 · Amount on File
Prior Sale	Oct 27, 2004 · Amount on File
Deed Document Number	2008495930
Last Transfer Date	Apr 26, 2019
Transfer Doc	0000157089
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	7291 CIRCULO PAPAYO, CARLSBAD, CA 92009-8698
Transaction Type	Mortgage
Record Updated	Apr 8, 2024
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7291 CIRCULO PAPAYO, CARLSBAD, CA 92009-8698

Mortgage

Document Number	0000075912
Date	Mar 27, 2024
Instrument	2024-0075912

Lender

Name	FUNDLOANS CAPITAL
Type	Mortgage Company
Address	SAN DIEGO, CA 92130

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2039

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	7291 CIRCULO PAPAYO, CARLSBAD, CA 92009-8698
Transaction Type	Mortgage
Record Updated	Nov 15, 2023
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7291 CIRCULO PAPAYO, CARLSBAD, CA 92009-8698

Mortgage

Document Number	0000307405
Date	Nov 6, 2023
Instrument	2023-0307405

Lender

Name	FUNDLOANS CAPITAL
Address	SAN DIEGO, CA 92130

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2053

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	7291 CIRCULO PAPAYO, CARLSBAD, CA 92009-8698
Transaction Type	Mortgage
Record Updated	Apr 7, 2023
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7291 CIRCULO PAPAYO, CARLSBAD, CA 92009-8698

Mortgage

Document Number	0000082452
Date	Mar 30, 2023
Instrument	2023-0082452

Lender

Name	FUNDLOANS CAPITAL
Address	SAN DIEGO, CA 92130

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	481 Months
Due	Apr 1, 2063

Interest

Rate Type	Adjustable Rate
Rate	8.12%
Type Change Date	May 1, 2033
Change Frequency	6 Months
Min Rate At Change	3.75%
Max Rate At Change	13.1%
Index	Other
Max Rate	13.1%

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	7291 CIRCULO PAPAYO, CARLSBAD, CA 92009-8698
Transaction Type	Mortgage
Record Updated	Jul 29, 2022
Title Company	FIDELITY NATL TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7291 CIRCULO PAPAYO, CARLSBAD, CA 92009-8698

Mortgage

Document Number	0000297984
Date	Jul 20, 2022
Instrument	2022-0297984

Lender

Name	FUNDLOANS CAPITAL
Type	Non-Lending Institution
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	481 Months
Due	Aug 1, 2062

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 29, 2019
Property Address	7291 CIRCULO PAPAYO, CARLSBAD, CA 92009-8698
Document Number	0000157091
Instrument Date	Apr 26, 2019
Instrument	157091
Transaction Type	Transfer
Record Updated	May 7, 2019
Title Company	FIDELITY NATIONAL TITLE

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	7291 CIRCULA PAPAYO CARLSBAD CA 92009, CARLSBAD, CA 92009

April 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 29, 2019
Property Address	7291 CIRCULO PAPAYO, CARLSBAD, CA 92009-8698
Document Number	0000157089
Map Reference	MAP 14379
Instrument Date	Apr 26, 2019
Instrument	2019-0157089
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	7291 CIRCULA PAPAYO, CARLSBAD, CA 92009-8698

Mortgage

Document Number	0000157090
Date	Apr 29, 2019
Instrument	2019-0157090

Lender

Name	DROP MORTGAGE INC
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Type Change Date	May 1, 2026
Change Frequency	Annually
Min Rate At Change	6%
Max Rate At Change	11.7%
Index	1-Year LIBOR
Margin	6
Max Rate	11.7%

Tax Assessment & Valuation

The 2025 property tax bill for 7291 Circulo Papayo was $18,418.

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		$1,608,966 (+2%) Land $689,556 Building $919,410
2025	$18,418.00	$1,577,419 Land $676,036 Building $901,383
2023	$17,318.00 (+2.1%)	$1,516,168 Land $649,786 Building $866,382
2022	$16,961.00

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

Flood

FEMA maps place 7291 Circulo Papayo 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	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

Wildfire risk around 7291 Circulo Papayo is low, with a 0.04% annual chance of 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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