1292 Bellingham Dr, Oceanside, CA 92057 Property Records

San Diego County property record for 1292 Bellingham Dr, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,976 sqft · built 2009
Lot Size	0.116 acres (5,040 sqft)
Owner	Individual Name on Record
Last Sale	$1,112,500 (Jun 2025)
Tax Bill	$9,853 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Mar 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`122-591-03-00`

Property Details

APN / Parcel Number

Primary APN	`122-591-03-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,976 sqft Living Area

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Lot Area	5,040 sqft (0.116 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	1292 BELLINGHAM DR
City	OCEANSIDE
State	CA
Zip	92057-2723
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-MP-1
Legal Description	LOT 12 TR 015386
Legal Subdivision	MORRO HILLS VILLAGE
Legal Tract	015386
Legal Block	3
Legal Lot Number	12
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3000
Census Tract	18619

Owner

Source: San Diego County records, as of July 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1292 BELLINGHAM DR, OCEANSIDE, CA 92057-2723
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Jul 19, 2021	Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Mar 1, 2019	Deed of Trust, Mortgage · Conventional Mortgage NATIONAL BANK OF KANSAS CITY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 17, 2025 · Amount on Record
Deed Sale	Jun 17, 2025 · Amount on Record
Prior Sale	Jul 19, 2021 · Amount on Record
Deed Document Number	2025161294
Prior Transfer Date	Jun 19, 2009
Prior Transfer Doc	0000633039
Record Updated	Sep 20, 2026

July 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 19, 2021
Property Address	1292 BELLINGHAM DR, OCEANSIDE, CA 92057-2723
Document Number	0000514102
Map Reference	MAP 15386
Instrument Date	Jun 25, 2021
Instrument	2021-0514102
Transaction Type	Transfer
Record Updated	Jul 28, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1292 BELLINGHAM DR, OCEANSIDE, CA 92057-2723

Mortgage

Document Number	0000514103
Date	Jul 19, 2021
Instrument	2021-0514103

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

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

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1292 BELLINGHAM DR, OCEANSIDE, CA 92057-2723
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000073897
Date	Mar 1, 2019
Instrument	2019-0073897

Lender

Name	NATIONAL BANK OF KANSAS CITY
Type	Bank
Address	KANSAS CITY, MO 64114

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2049

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 2026

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Municipality	Oceanside City
Unified School District	Bonsall Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,134,750 (+20.83%) Land $816,000 Building $318,750
2025	$9,853.00 (+4.45%) Homeowner's exemption	$939,166 (+4.04%) Land $358,654 Building $580,512
2023	$9,433.00 (+1.77%) Homeowner's exemption	$902,699 Land $344,728 Building $557,971
2022	$9,269.00

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	6 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	Moderate above 44% of the US · lower than 74% of California
Wildfire Likelihood	0.09% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	CITY OF OCEANSIDE serves 174,340 people · EPA ID CA3710014
Water Source	Purchased surface water from several systems
Lead	Under 1 ppb (2022–2024) 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 334 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Fiber	2,000 / 35
San Diego Broadband Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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