San Diego County property record for 1305 S Pacific St, Oceanside, CA 92054
| Property Type | Multi-Family Dwellings |
|---|---|
| Details | 5 bd · 4 ba · 2,610 sqft · built 1955 |
| Lot Size | 0.11 acres (4,789 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,300,000 (Sep 2000) |
| Tax Bill | $21,970 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Dec 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 152-142-03-00 |
| Primary APN | 152-142-03-00 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Units | 3 Units |
| Building Area | 2,610 sqft Living Area |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Multi-Family |
| Lot Area | 4,789 sqft (0.11 acres) |
| View / Lot | Ocean |
| Street Address | 1305 S PACIFIC ST |
|---|---|
| City | OCEANSIDE |
| State | CA |
| Zip | 92054-4935 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Multi-Family Dwellings |
| Local Zoning Code | RT |
| Legal Description | BLK H LOT 3 TR 001044 |
| Legal Subdivision | TERRACE ANNEX |
| Legal Tract | 001044 |
| Legal Block | H |
| Legal Lot Number | 3 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | OCEANSIDE-ESCONDIDO |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 18301 |
1305 S Pacific St, a residential property, is owned by two individuals who bought it in September 2000.
Source: San Diego County records, as of July 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 13565 MIRA MONTANA DR, DEL MAR, CA 92014-3455 |
| 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 |
|---|---|
| Jul 15, 2026 | Deed of Trust, Mortgage · Conventional Mortgage DOLAN GADDI LENDING INC |
| Dec 26, 2017 | Deed of Trust, Mortgage · ARM ONEWEST BANK FSB |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 22, 2000 · Amount on File |
| Deed Sale | Sep 22, 2000 · Amount on File |
| Prior Sale | Mar 15, 1999 · Amount on File |
| Deed Document Number | 2000510009 |
| Prior Transfer Date | Oct 3, 1996 |
| Prior Transfer Doc | 0000586856 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Jul 15, 2026 |
| Property Address | 1305 S PACIFIC ST, OCEANSIDE, CA 92054-4935 |
| Document Number | 0000201230 |
| Instrument Date | Jul 9, 2026 |
| Instrument | 2026201230 |
| Transaction Type | Mortgage |
| Record Updated | Jul 22, 2026 |
| Title Company | TICOR TITLE COMPANY OC, TICOR TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 13565 MIRA MONTANA DR, DEL MAR, CA 92014-3455 |
| Document Number | 0000201230, |
|---|---|
| Date | Jul 15, 2026 |
| Instrument | 2026201230 |
| Name | DOLAN GADDI LENDING INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.52% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 1305 S PACIFIC ST, OCEANSIDE, CA 92054-4935 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TICOR TITLE SAN DIEGO |
| Name | Verified Name |
|---|
| Document Number | 0000606675 |
|---|---|
| Date | Dec 26, 2017 |
| Instrument | 2017-0606675 |
| Name | ONEWEST BANK FSB |
|---|---|
| Type | Bank |
| Address | KALAMAZOO, MI 49003 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.45% |
| Type Change Date | Jan 1, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.45% |
| Index | 1-Year LIBOR |
| Max Rate | 8.45% |
The 2025 property tax bill for 1305 S Pacific St was $21,970.
Source: San Diego County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Municipality | Oceanside City |
| Unified School District | Oceanside Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $1,998,061 (+2%) Land $1,798,266 Building $199,795 | |
| 2025 | $21,970.00 | $1,958,884 Land $1,763,006 Building $195,878 |
| 2023 | $20,889.00 (+1.59%) | $1,882,821 Land $1,694,548 Building $188,273 |
| 2022 | $20,562.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 1305 S Pacific St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone VE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 39 individual policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 43 units insured incl. 4 condo units |
| Nearby Flood Claims | 1 (2021) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jan 2021 · tidal / storm surge |
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.
The area around 1305 S Pacific St 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.
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 |
| 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 573 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T, GeoLinks.
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