1326 Panorama Ridge Rd, Oceanside, CA 92056 Property Records

San Diego County property record for 1326 Panorama Ridge Rd, Oceanside, CA 92056

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,321 sqft · built 2004
Lot Size	0.321 acres (13,971 sqft)
Owner	Company Name on Record
Last Sale	$622,000 (Jun 2004)
Tax Bill	$10,025 (2025)
Deeds & Mortgages	Feb 2022 Transfer Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`158-770-07-00`

Property Details

APN / Parcel Number

Primary APN	`158-770-07-00`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Building Area	3,321 sqft Living Area

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Lot Area	13,971 sqft (0.321 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	1326 PANORAMA RIDGE RD
City	OCEANSIDE
State	CA
Zip	92056-2215
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RE-B
Legal Description	LOT 22 TR 014582
Legal Subdivision	PANORAMA RIDGE
Legal Tract	014582
Legal Block	3
Legal Lot Number	22
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3000
Census Tract	19301

Owner

Source: San Diego County records, as of July 28, 2026

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

Owner of Record	Company Name on Record
Mailing Address	1326 PANORAMA RIDGE RD, OCEANSIDE, CA 92056-2215
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2022	Intrafamily Transfer, Transfer
Mar 10, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Jan 19, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 14, 2004 · Amount on Record
Deed Sale	Jun 14, 2004 · Amount on Record
Deed Document Number	2004551377
Last Transfer Date	Jan 14, 2022
Transfer Doc	0000051962
Record Updated	Sep 20, 2026

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 3, 2022
Property Address	1326 PANORAMA RIDGE RD, OCEANSIDE, CA 92056-2215
Document Number	0000051962
Map Reference	MAP 14582
Instrument Date	Jan 14, 2022
Instrument	2022-0051962
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	1326 PANORAMA RIDGE RD, OCEANSIDE, CA 92056-2215

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 10, 2021
Property Address	1326 PANORAMA RIDGE RD, OCEANSIDE, CA 92056-2215
Document Number	0000185899
Map Reference	MAP 14582
Instrument Date	Feb 6, 2021
Instrument	2021-0185899
Transaction Type	Transfer
Record Updated	Jul 25, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1326 PANORAMA RIDGE RD, OCEANSIDE, CA 92056-2215

Mortgage

Document Number	0000185900
Date	Mar 10, 2021
Instrument	2021-0185900

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1326 PANORAMA RIDGE RD, OCEANSIDE, CA 92056-2215
Document Number	0000030366
Instrument Date	Jan 19, 2019
Transaction Type	Mortgage
Record Updated	Feb 1, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1326 PANORAMA RIDGE RD OCEANSIDE CA 920562215, OCEANSIDE, CA 92056-2215

Mortgage

Document Number	0000030366
Date	Jan 28, 2019
Instrument	30366

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 28, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$900,542 (+2%) Land $348,035 Building $552,507
2025	$10,025.00 (+8.65%)	$882,885 (+4.04%) Land $341,211 Building $541,674
2023	$9,227.00 (+1.1%)	$848,603 Land $327,962 Building $520,641
2022	$9,127.00

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	1 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	Low lower than 94% of the US · lower than 96% of California
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond 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	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 515 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
AT&T DSL	100 / 20

May also be available: San Diego Broadband.

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