7726 Palacio Dr, Carlsbad, CA 92009 Property Records

San Diego County property record for 7726 Palacio Dr, Carlsbad, CA 92009

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,227 sqft · built 1978
Lot Size	0.201 acres (8,761 sqft)
Owner	Trust Name on File
Last Sale	$790,000 (Sep 2015)
Tax Bill	$10,702 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Nov 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`216-484-19-00`

Property Details

APN / Parcel Number

Primary APN	`216-484-19-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,227 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Tile
Lot Area	8,761 sqft (0.201 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	7726 PALACIO DR
City	CARLSBAD
State	CA
Zip	92009-8522
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	P-C
Legal Description	LOT 101 TR 008379
Legal Subdivision	CARLSBAD COURT
Legal Tract	008379
Legal Block	3
Legal Lot Number	101
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3000
Census Tract	20035

Owner

7726 Palacio Dr is owner-occupied and held in a trust since February 2020.

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	7726 PALACIO DR, CARLSBAD, CA 92009-8522
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 9, 2026	Deed of Trust, Mortgage · Line of Credit US BANK NA
Nov 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage SAN DIEGO COUNTY CU
Oct 5, 2018	Deed of Trust, Mortgage · Line of Credit US BANK NA
Dec 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Nov 24, 2020	Loan Modification, Mortgage · Line of Credit US BK
Mar 17, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 21, 2015 · Amount on File
Deed Sale	Sep 21, 2015 · Amount on File
Prior Sale	May 18, 2011 · Amount on File
Deed Document Number	2015497669
Last Transfer Date	Feb 28, 2020
Transfer Doc	0000138528
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	7726 PALACIO DR, CARLSBAD, CA 92009-8522
Transaction Type	Mortgage
Record Updated	Feb 17, 2026
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7726 PALACIO DR, CARLSBAD, CA 92009-8522

Mortgage

Document Number	0000034709
Date	Feb 9, 2026
Instrument	2026-0034709

Lender

Name	US BANK NA
Type	Bank
Address	HOPKINS, MN 55343

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 3, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	7726 PALACIO DR, CARLSBAD, CA 92009-8522
Transaction Type	Mortgage
Record Updated	Nov 26, 2021
Title Company	PLACER TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7726 PALACIO DR, CARLSBAD, CA 92009-8522

Mortgage

Document Number	0000789832
Date	Nov 15, 2021
Instrument	2021-0789832

Lender

Name	SAN DIEGO COUNTY CU
Type	Credit Union
Address	SAN DIEGO, CA 92121

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	7726 PALACIO DR, CARLSBAD, CA 92009-8522
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI US INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000415649
Date	Oct 5, 2018
Instrument	2018-0415649

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Sep 17, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	7726 PALACIO DR, CARLSBAD, CA 92009-8522
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	77296 PALACIO DR, CARLSBAD, CA 92009

Mortgage

Document Number	0000767436
Date	Dec 1, 2020
Instrument	2020-0767436

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Dec 1, 2030
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8%
Index	1-Year CMT
Max Rate	8%

November 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SAN DIEGO CA
Property Address	7726 PALACIO DR, CARLSBAD, CA 92009-8522
Document Number	0000767438
Instrument Date	Nov 24, 2020
Transaction Type	Mortgage
Record Updated	Dec 9, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	7726 PALACIO DR CARLSBAD CA 920098522, CARLSBAD, CA 92009-8522

Mortgage

Document Number	0000767438
Date	Dec 1, 2020
Instrument	767438

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	336 Months
Due	Nov 30, 2048

Interest

Rate Type	Adjustable Rate

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 17, 2020
Property Address	7726 PALACIO DR, CARLSBAD, CA 92009-8522
Document Number	0000138528
Instrument Date	Feb 28, 2020
Instrument	138528
Transaction Type	Transfer
Record Updated	Mar 31, 2020
Title Company	ATTORNEY ONLY

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	7726 PALACIO DR CARLSBAD CA 920098522, CARLSBAD, CA 92009-8522

Tax Assessment & Valuation

The 2025 property tax bill for 7726 Palacio Dr was $10,702 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		$953,895 (+2%) Land $628,947 Building $324,948
2025	$10,702.00 Homeowner's exemption	$935,192 Land $616,615 Building $318,577
2023	$10,001.00 (+2.34%) Homeowner's exemption	$898,879 Land $592,672 Building $306,207
2022	$9,772.00

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

Flood

FEMA maps place 7726 Palacio Dr 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	2 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

The area around 7726 Palacio Dr has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land 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 557 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ting Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 35
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

May also be available: Verizon.

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