7315 Circulo Papayo, Carlsbad, CA 92009 Property Records

San Diego County property record for 7315 Circulo Papayo, Carlsbad, CA 92009

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 4,225 sqft · built 2005
Lot Size	0.252 acres (10,998 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,140,500 (Aug 2005)
Tax Bill	$18,761 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Apr 2021 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`223-610-32-00`

Property Details

APN / Parcel Number

Primary APN	`223-610-32-00`

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 2005
Effective Year Built	Effective 2005
Lot Area	10,998 sqft (0.252 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	7315 CIRCULO PAPAYO
City	CARLSBAD
State	CA
Zip	92009-8693
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-C
Legal Description	LOT 36 TR 014379
Legal Subdivision	CARLSBAD COURT
Legal Tract	014379
Legal Block	4
Legal Lot Number	36
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	4
Census Block	4004
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	2 Individual Names on Record
Mailing Address	7315 CIRCULO PAPAYO, CARLSBAD, CA 92009-8693
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage ALLY BANK
Apr 6, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MISSION FCU
Sep 13, 2017	Deed of Trust, Mortgage · Conventional Mortgage AMERIFIRST FINANCIAL CORP
Jan 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage SAN DIEGO COUNTY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 26, 2005 · Amount on Record
Deed Sale	Aug 26, 2005 · Amount on Record
Deed Document Number	2005736434
Last Transfer Date	Mar 6, 2006
Transfer Doc	0000178868
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	7315 CIRCULO PAPAYO, CARLSBAD, CA 92009-8693
Transaction Type	Mortgage
Record Updated	Aug 6, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7315 CIRCULO PAPAYO, CARLSBAD, CA 92009-8693

Mortgage

Document Number	0000535725
Date	Jul 28, 2021
Instrument	2021-0535725

Lender

Name	ALLY BANK
Type	Bank
Address	CHARLOTTE, NC 28202

Agreement

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

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	7315 CIRCULO PAPAYO, CARLSBAD, CA 92009-8693
Transaction Type	Mortgage
Record Updated	Apr 19, 2021
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7315 CIRCULO PAPAYO, CARLSBAD, CA 92009-8693

Mortgage

Document Number	0000266355
Date	Apr 6, 2021
Instrument	2021-0266355

Lender

Name	MISSION FCU
Type	Credit Union
Address	SAN DIEGO, CA 92191

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2036

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	7315 CIRCULO PAPAYO, CARLSBAD, CA 92009-8693
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000420102
Date	Sep 13, 2017
Instrument	2017-0420102

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company
Address	GILBERT, AZ 85297

Agreement

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

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	7315 CIRCULO PAPAYO, CARLSBAD, CA 92009-8693
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010341
Date	Jan 8, 2020
Instrument	2020-0010341

Lender

Name	SAN DIEGO COUNTY CU
Type	Credit Union
Address	SAN DIEGO, CA 92196

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2050

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		$1,648,684 (+2%) Land $777,795 Building $870,889
2025	$18,761.00 (+6.36%) Homeowner's exemption	$1,616,358 (+4.04%) Land $762,545 Building $853,813
2023	$17,639.00 (+2.11%) Homeowner's exemption	$1,553,595 Land $732,936 Building $820,659
2022	$17,274.00

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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