7292 Circulo Papayo, Carlsbad, CA 92009 Property Records

San Diego County property record for 7292 Circulo Papayo, Carlsbad, CA 92009

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 3,950 sqft · built 2004
Lot Size	0.223 acres (9,729 sqft)
Owner	Company Name on File
Last Sale	$840,000 (May 2011)
Tax Bill	$12,953 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`223-612-23-00`

Property Details

APN / Parcel Number

Primary APN	`223-612-23-00`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Building Area	3,950 sqft Living Area

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Lot Area	9,729 sqft (0.223 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	7292 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 62 TR 014379
Legal Subdivision	CARLSBAD COURT
Legal Tract	014379
Legal Block	4
Legal Lot Number	62
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	4
Census Block	4001
Census Tract	17109

Owner

7292 Circulo Papayo is owned by a company that acquired it in June 2013 and is owner-occupied.

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	Company Name on File
Mailing Address	7292 CIRCULO PAPAYO, CARLSBAD, CA 92009-8698
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage SPROUT MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 11, 2011 · Amount on File
Deed Sale	May 11, 2011 · Amount on File
Prior Sale	Aug 30, 2010 · Amount on File
Deed Document Number	2011244060
Last Transfer Date	Jun 13, 2013
Transfer Doc	0000405167
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	7292 CIRCULO PAPAYO, CARLSBAD, CA 92009-8698
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000372779
Date	Jul 13, 2020
Instrument	2020-0372779

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	357 Months
Due	Apr 1, 2050

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	7292 CIRCULO PAPAYO, CARLSBAD, CA 92009-8698
Document Number	0000069396
Instrument Date	Nov 24, 2020
Transaction Type	Mortgage
Record Updated	Feb 16, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	7292 CIRCULO PAPAYO CARLSBAD CA 920098698, CARLSBAD, CA 92009-8698

Mortgage

Document Number	0000069396
Date	Jan 29, 2021
Instrument	69396

Lender

Name	SPROUT MTG
Address	PORT SAINT LUCIE, FL 34986

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 28, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 7292 Circulo Papayo was $12,953 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	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		$1,097,696 (+2%) Land $548,848 Building $548,848
2025	$12,953.00 Homeowner's exemption	$1,076,174 Land $538,087 Building $538,087
2023	$12,164.00 (+2.16%) Homeowner's exemption	$1,034,388 Land $517,194 Building $517,194
2022	$11,907.00

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

Flood

FEMA maps place 7292 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 7292 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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