7405 Sitio Lima, Carlsbad, CA 92009 Property Records

San Diego County property record for 7405 Sitio Lima, Carlsbad, CA 92009

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,994 sqft · built 2004
Lot Size	0.274 acres (11,936 sqft)
Owner	2 Individual Names on Record
Last Sale	$990,000 (Jul 2013)
Tax Bill	$14,505 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit Feb 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`223-670-05-00`

Property Details

APN / Parcel Number

Primary APN	`223-670-05-00`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Building Area	3,994 sqft Living Area

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Lot Area	11,936 sqft (0.274 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	7405 SITIO LIMA
City	CARLSBAD
State	CA
Zip	92009-8469
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-C
Legal Description	LOT 5 TR 014604
Legal Subdivision	CARLSBAD COURT
Legal Tract	014604
Legal Block	4
Legal Lot Number	5
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	4
Census Block	4013
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	7405 SITIO LIMA, CARLSBAD, CA 92009-8469
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Feb 22, 2022	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Oct 5, 2020	Deed of Trust, Mortgage · Line of Credit US BANK NA
Dec 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Feb 10, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 12, 2013 · Amount on Record
Deed Sale	Jul 12, 2013 · Amount on Record
Prior Sale	Oct 27, 2010 · Amount on Record
Deed Document Number	2013437077
Prior Transfer Date	Jun 24, 2010
Prior Transfer Doc	0000397493
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	7405 SITIO LIMA, CARLSBAD, CA 92009-8469
Transaction Type	Mortgage
Record Updated	Dec 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7405 SITIO LIMA, CARLSBAD, CA 92009-8469

Mortgage

Document Number	0000330203
Date	Nov 30, 2023
Instrument	2023-0330203

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 20, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	7405 SITIO LIMA, CARLSBAD, CA 92009-8469
Transaction Type	Mortgage
Record Updated	Jan 31, 2023
Title Company	FIRST AMERICAN MORTGAGE SOL

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7405 SITIO LIMA, CARLSBAD, CA 92009-8469

Mortgage

Document Number	0000078257
Date	Feb 22, 2022
Instrument	2022-0078257

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	7405 SITIO LIMA, CARLSBAD, CA 92009-8469
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI US INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7405 SLTIO LIMA, CARLSBAD, CA 92009-8469

Mortgage

Document Number	0000599197
Date	Oct 5, 2020
Instrument	2020-0599197

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	358 Months
Due	Aug 27, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	7405 SITIO LIMA, CARLSBAD, CA 92009-8469
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CORINTHIAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000601137
Date	Dec 23, 2019
Instrument	2019-0601137

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Type Change Date	Jan 1, 2030
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.12%
Index	1-Year CMT
Max Rate	8.12%

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	7405 SITIO LIMA, CARLSBAD, CA 92009-8469
Document Number	0000080119
Instrument Date	Feb 10, 2017
Transaction Type	Mortgage
Record Updated	Aug 16, 2018
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7405 SITIO LIMA CARLSBAD CA 920098469, CARLSBAD, CA 92009-8469

Mortgage

Document Number	0000080119
Date	Feb 17, 2017
Instrument	80119

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount Recorded

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		$1,237,865 (+2%) Land $687,704 Building $550,161
2025	$14,505.00 (+6.42%)	$1,213,594 (+4.04%) Land $674,220 Building $539,374
2023	$13,630.00 (+2.14%)	$1,166,471 Land $648,040 Building $518,431
2022	$13,345.00

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 80% of the US · lower than 88% of California
Wildfire Likelihood	0.03% 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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