San Diego County property record for 7896 Sitio Mirto, Carlsbad, CA 92009
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,305 sqft · built 2002 |
| Lot Size | 0.197 acres (8,597 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $628,000 (Jun 2001) |
| Tax Bill | $11,584 (2025) |
| Deeds & Mortgages | Sep 2022 Line of Credit Mar 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 255-290-40-00 |
| Primary APN | 255-290-40-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 3,305 sqft Living Area |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Lot Area | 8,597 sqft (0.197 acres) |
| Parking Spaces | 3 Parking Spaces |
| Street Address | 7896 SITIO MIRTO |
|---|---|
| City | CARLSBAD |
| State | CA |
| Zip | 92009-6999 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | P-C |
| Legal Description | LOT 794 TR 013636 |
| Legal Subdivision | ARROYO LA COST |
| Legal Tract | 013636 |
| Legal Block | 5 |
| Legal Lot Number | 794 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | OCEANSIDE-ESCONDIDO |
| Census Block Group | 5 |
| Census Block | 5007 |
| Census Tract | 20035 |
7896 Sitio Mirto is owned and occupied by two individuals who bought it in June 2001.
Source: San Diego County records, as of July 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 7896 SITIO MIRTO, CARLSBAD, CA 92009-6999 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 26, 2022 | Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO |
| Mar 22, 2022 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA |
| Oct 19, 2018 | Deed of Trust, Mortgage · Line of Credit NEUSE INC |
| Nov 1, 2017 | Deed of Trust, Mortgage BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 27, 2001 · Amount on File |
| Deed Sale | Jun 27, 2001 · Amount on File |
| Deed Document Number | 2001434708 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 7896 SITIO MIRTO, CARLSBAD, CA 92009-6999 |
| Transaction Type | Mortgage |
| Record Updated | Oct 5, 2022 |
| Name | Verified Name |
|---|---|
| Address | 7896 SITIO MIRTO, CARLSBAD, CA 92009-6999 |
| Document Number | 0000376045 |
|---|---|
| Date | Sep 26, 2022 |
| Instrument | 2022-0376045 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 7896 SITIO MIRTO, CARLSBAD, CA 92009-6999 |
| Transaction Type | Mortgage |
| Record Updated | Apr 4, 2022 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|---|
| Address | 7896 SITIO MIRTO, CARLSBAD, CA 92009-6999 |
| Document Number | 0000125567 |
|---|---|
| Date | Mar 22, 2022 |
| Instrument | 2022-0125567 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 7896 SITIO MIRTO, CARLSBAD, CA 92009-6999 |
| Document Number | 0000466308 |
| Instrument Date | Oct 19, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 16, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 78906 SITIO MIRTO CARLSBAD CA 92009, CARLSBAD, CA 92009 |
| Document Number | 0000466308 |
|---|---|
| Date | Nov 7, 2018 |
| Instrument | 466308 |
| Name | NEUSE INC |
|---|---|
| Address | 100 E TRYON RD, RALEIGH, NC 27603-3581 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 7896 SITIO MIRTO, CARLSBAD, CA 92009-6999 |
| Document Number | 0000519186 |
| Instrument Date | Nov 1, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 13, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 7896 SITIO MIRTO CARLSBAD CA 920096999, CARLSBAD, CA 92009-6999 |
| Document Number | 0000519186 |
|---|---|
| Date | Nov 7, 2017 |
| Instrument | 519186 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Nov 6, 2047 |
The 2025 property tax bill for 7896 Sitio Mirto was $11,584 with a homeowner's exemption.
Source: San Diego County assessment roll, as of July 28, 2026
| 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) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $965,054 (+2%) Land $384,235 Building $580,819 | |
| 2025 | $11,584.00 Homeowner's exemption | $946,132 Land $376,701 Building $569,431 |
| 2023 | $10,876.00 (+2.17%) Homeowner's exemption | $909,394 Land $362,074 Building $547,320 |
| 2022 | $10,645.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 7896 Sitio Mirto 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 risk around 7896 Sitio Mirto is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 96% of California |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 545 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 |
| San Diego Broadband Fixed Wireless | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
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