Type the address of any home in San Diego County. You'll see an estimated monthly cost, the home's fire, flood, and fault zones, what the county has on record, and a checklist built for that home. It's free to read on screen.
Include the house number. For a condo, add the unit, like 1234 Main St #5.
A listing tells you beds, baths, and price. This report answers the questions buyers ask me after the showing.
Mortgage, property tax, insurance, mortgage insurance, and HOA dues in one number. Change the price, down payment, and rate and watch it update. It's an illustration, not a loan offer.
Checked live against CAL FIRE, FEMA, and state geological maps. If a home sits in a high fire zone, you'll know to price insurance before you write an offer.
Bedrooms, bathrooms, square footage, lot size and shape, the assessed value, and the parcel number (APN), straight from public records.
What to ask for and what to verify, based on what the records and maps show for that specific address.
This tool uses public records, not the MLS, so it works for any address in the county, for sale or not. It doesn't show list prices or listing photos. Ask me for those.
Each report covers one parcel. Here's what you'll see, in order:
You can read the whole report on screen for free. To download it as two PDFs, the full report and a one-page summary, you fill out a short form once.
Looking up county records...
County records show more than one parcel at that address. Pick yours.
Owning a home in San Diego County costs more than the mortgage payment. Add property tax, which starts from California's 1% base rate plus local voter-approved bonds and is paid in two installments a year; any Mello-Roos or other special taxes on the same bill; homeowners insurance, which can be harder to find for homes in high fire hazard areas; flood or earthquake insurance if you want or need it; and HOA dues if the home is part of a condo, townhome or planned community with an association. The free report above estimates the main pieces for a specific address and checks its fire, flood and fault zones.
General information, not tax, legal or insurance advice. Payment figures are illustrations, not a loan offer.
Under Proposition 13, California's basic property tax rate is 1% of assessed value, plus rates for local voter-approved bonds that vary from area to area within a county. When you buy, the home is reassessed to current market value, so your tax won't follow the seller's assessed value shown in the report. For how reassessment and supplemental bills work, see California property tax after you buy.
The report's estimate uses 1.1% of the price per year as a round figure. Your actual rate depends on the bonds where the home is, and special taxes come on top.
The San Diego County Treasurer-Tax Collector bills secured property tax in two installments. The first is due November 1 and is delinquent after December 10. The second is due February 1 and is delinquent after April 10. A late installment gets a 10% penalty (plus a $10 cost on the second), and the County says penalties aren't waived because you didn't receive a bill. You can look up and pay a current bill online by parcel number, the APN shown at the top of the report. If you live abroad, the Treasurer-Tax Collector notes that its online payment system may be blocked in some countries; you can mail a payment postmarked by the deadline or pay by card over the phone instead.
Homeowners' Exemption. If the home will be your primary residence, file for the Homeowners' Exemption with the County Assessor. It takes $7,000 off the assessed value, which the Assessor says saves about $70 a year. You file once, the Assessor mails the claim form after a purchase, and February 15 is the deadline for the full exemption.
Illustration, not a loan offer. The report's monthly cost assumes a 30-year fixed-rate loan repaid in 360 monthly payments. The rate starts at 7.40%, Freddie Mac's weekly national average for a 30-year fixed-rate mortgage as of October 15, 2026, and you can change it. The APR on a real loan will be higher once lender fees and any points are included. The estimate adds property tax at 1.1% and homeowners insurance at 0.35% of the price per year, mortgage insurance (PMI) at 0.5% of the price per year when the down payment is under 20%, and any HOA dues you enter. Taxes and insurance are estimates. It doesn't include Mello-Roos or other special taxes, flood or earthquake insurance, closing costs or maintenance.
Rates change every week, and yours depends on your credit, loan type, points and lender. For your real numbers, ask a lender for a Loan Estimate. To start from your income instead, use the calculator for how much house you can afford in San Diego, and budget separately for closing costs in San Diego County.
Still choosing where to buy? Compare San Diego County cities and areas, then run the report on the homes you like. Buying a home to rent out? See buying rental property in San Diego.
Selling? Run your own address to see its zones and what the county has on record before you list. For the rest of the process, see selling a house in San Diego: costs, disclosures and timeline.
Mello-Roos is a special tax that a Community Facilities District (CFD) levies to pay for public facilities such as schools and roads. The district's landowners or voters approve it, usually to repay bonds, and the County Auditor says those bonds are generally paid over 5 to 20 years. It comes on the same bill as your property tax, listed as a CFD with a phone number and an amount, and it's charged on top of the 1% base rate. The County records this report uses don't show Mello-Roos. To check a specific home, take the parcel number (APN) from the report, search the County's Special Assessments lookup, then find the district in the County Auditor's list of active Mello-Roos districts. When you buy, the seller must make a good faith effort to get the special tax disclosure notice from each agency that levies one and give it to you. For questions about the amount or how long it lasts, call the agency's number on the bill.
There's no single number. The premium depends on the home, its fire risk, the coverage and the insurer, so get quotes for the specific address during your contingency period, before you're committed to the purchase. The report's estimate uses 0.35% of the price per year only as a placeholder. If you have a mortgage, you must have homeowners insurance. The California Department of Insurance publishes a 2026 survey that compares sample premiums across insurers, but its results aren't quotes. If no regular insurer will cover the home, the California FAIR Plan is the state's insurer of last resort: it sells basic fire coverage through licensed agents and brokers registered with the plan, and a broker can add a separate Difference in Conditions policy for the rest of what a normal homeowners policy covers. Under the Department's Safer from Wildfires regulation, insurers must give discounts for recognized wildfire-safety steps, and the FAIR Plan offers them too. Ask each insurer what it offers.
Flood: most homeowners policies don't cover flood damage. If the home is in a FEMA Special Flood Hazard Area (any A or V zone) and your mortgage comes from a federally regulated, supervised or insured lender, flood insurance is required, and the premium must be escrowed with your loan payment. Outside those zones it's optional, though a lender can still require it. A policy typically takes 30 days after purchase to take effect, so price it before you write an offer. The report shows the FEMA flood zone for the address. Earthquake: a homeowners policy doesn't cover earthquake damage (fire after an earthquake is the exception), and you don't have to buy earthquake insurance, even with a mortgage. Your homeowners insurer must offer it to you in writing every other year. Most earthquake insurance in California comes from the California Earthquake Authority (CEA), sold through participating insurers. If the report shows the home in an earthquake fault zone, ask for any geologic reports and talk to your insurance agent.
No. Under California Civil Code 1103, a seller has to disclose whether the home is in any of six hazard zones: a FEMA Special Flood Hazard Area, an area that could flood if a dam fails, a very high fire hazard severity zone, a state responsibility area (wildland with substantial fire risk), an earthquake fault zone or a seismic hazard zone. You get that during the sale, on the Natural Hazard Disclosure. This report checks the fire, flood and earthquake fault maps for an address before you make an offer. It doesn't check dam inundation or seismic hazard zones, and it doesn't replace the disclosure, an inspection or an insurance quote.
No. It's built from public records and public hazard maps, not the MLS, so it works for any address in San Diego County, listed or not. It doesn't show list prices, listing photos or sale status. If the home is on the market, ask Karina for the listing details and recent comparable sales.
Karina offers a free, no-pressure conversation in English or Portuguese about a home's costs, zones and disclosures before you write an offer. Contracts and escrow documents are in English.
Reach Karina directly
In English or Portuguese.
Call619-369-4598 Text619-369-4598 WhatsAppMessage Karina EmailkarinahomesBoth PDFs for unlock right away. Fill this out once and you can download reports on other homes too.