7296 Circulo Papayo, Carlsbad, CA 92009 Property Records

San Diego County property record for 7296 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	0.286 acres (12,474 sqft)
Owner	Company Name on Record
Last Sale	$1,180,000 (Feb 2017)
Tax Bill	$16,182 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Feb 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`223-612-24-00`

Property Details

APN / Parcel Number

Primary APN	`223-612-24-00`

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	12,474 sqft (0.286 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	7296 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 63 TR 014379
Legal Subdivision	CARLSBAD COURT
Legal Tract	014379
Legal Block	4
Legal Lot Number	63
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	7296 CIRCULO PAPAYO, CARLSBAD, CA 92009-8698
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Apr 3, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 28, 2017	Grant Deed, Transfer · Conventional Mortgage ON Q FINANCIAL INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 28, 2017 · Amount on Record
Deed Sale	Feb 28, 2017 · Amount on Record
Prior Sale	Aug 6, 2009 · Amount on Record
Deed Document Number	201793965
Last Transfer Date	Mar 30, 2020
Transfer Doc	0000173018
Record Updated	Oct 29, 2026

April 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 3, 2020
Property Address	7296 CIRCULO PAPAYO, CARLSBAD, CA 92009-8698
Document Number	0000173018
Instrument Date	Mar 30, 2020
Instrument	2020-0173018
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	WFG TITLE CO OF CA SAN DIEGO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000173019
Date	Apr 3, 2020
Instrument	2020-0173019

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

February 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 28, 2017
Property Address	7296 CIRCULO PAPAYO, CARLSBAD, CA 92009-8698
Document Number	0000093965
Map Reference	MAP14379
Instrument Date	Jan 19, 2017
Instrument	2017-0093965
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	EQUITY TITLE SAN DIEGO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	7296 CICCULO PAPAYO, CARLSBAD, CA 92009

Mortgage

Document Number	0000093966
Date	Feb 28, 2017
Instrument	2017-0093966

Lender

Name	ON Q FINANCIAL INC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2047

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		$1,396,872 (+2%) Land $710,274 Building $686,598
2025	$16,182.00 (+6.38%)	$1,369,484 (+4.04%) Land $696,348 Building $673,136
2023	$15,211.00 (+2.12%)	$1,316,308 Land $669,309 Building $646,999
2022	$14,895.00

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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