1341 Panorama Ridge Rd, Oceanside, CA 92056 Property Records

San Diego County property record for 1341 Panorama Ridge Rd, Oceanside, CA 92056

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,206 sqft · built 1980
Lot Size	0.255 acres (11,096 sqft)
Owner	2 Individual Names on File
Last Sale	$146,500 (Dec 2000)
Tax Bill	$2,484 (2025)
Deeds & Mortgages	Dec 2020 Reverse Mortgage Nov 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`161-401-03-00`

Property Details

APN / Parcel Number

Primary APN	`161-401-03-00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,206 sqft Living Area

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Lot Area	11,096 sqft (0.255 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	1341 PANORAMA RIDGE RD
City	OCEANSIDE
State	CA
Zip	92056-2218
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-A
Legal Description	LOT 588 TR 008882
Legal Subdivision	PEACOCK HILLS
Legal Tract	008882
Legal Block	2
Legal Lot Number	588
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2000
Census Tract	19301

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	1341 PANORAMA RIDGE RD, OCEANSIDE, CA 92056-2218
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2020	Deed of Trust, Mortgage · Reverse Mortgage REVERSE MORTGAGE FUNDING LLC
Nov 23, 2020	Deed of Trust, Mortgage · FHA Mortgage COMMISSIONER/HSNG & URBAN DEV
Jun 16, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Jun 16, 2017	Deed of Trust, Mortgage · FHA Mortgage LIBERTY HM EQUITY SOLUTIONS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 15, 2000 · Amount on File
Deed Sale	Dec 15, 2000 · Amount on File
Deed Document Number	2000685180
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1341 PANORAMA RIDGE RD, OCEANSIDE, CA 92056-2218
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATL TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1341 PANORAMA RIDGE RD, OCEANSIDE, CA 92056-2218

Mortgage

Document Number	0000761311
Date	Dec 1, 2020
Instrument	2020-0761311

Lender

Name	REVERSE MORTGAGE FUNDING LLC
Type	Reverse Mortgage Lender
Address	BLOOMFIELD, NJ 07003

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	933 Months
Due	Sep 24, 2098

Interest

Rate Type	Adjustable Rate
Rate	2.58%
Type Change Date	Dec 1, 2021
Change Frequency	Annually
Index	1-Year LIBOR

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1341 PANORAMA RIDGE RD, OCEANSIDE, CA 92056-2218
Document Number	0000761312
Instrument Date	Nov 23, 2020
Transaction Type	Mortgage
Record Updated	Dec 8, 2020
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NAT'L TITLE SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1341 PANORAMA RIDGE RD OCEANSIDE CA 920562218, OCEANSIDE, CA 92056-2218

Mortgage

Document Number	0000761312
Date	Dec 1, 2020
Instrument	761312

Lender

Name	COMMISSIONER/HSNG & URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	936 Months
Due	Nov 30, 2098

Interest

Rate Type	Adjustable Rate
Rate	2.58%

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1341 PANORAMA RIDGE RD, OCEANSIDE, CA 92056-2218
Document Number	0000281887
Instrument Date	Jun 16, 2017
Transaction Type	Mortgage
Record Updated	Nov 16, 2018
Title Company	WESTERN RESOURCES TITLE, WESTERN RSRCS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1341 PANORAMA RIDGE RD OCEANSIDE CA 920562218, OCEANSIDE, CA 92056-2218

Mortgage

Document Number	0000281887
Date	Jun 22, 2017
Instrument	281887

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	972 Months
Due	Jun 21, 2098

Interest

Rate Type	Adjustable Rate
Rate	4.35%

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1341 PANORAMA RIDGE RD, OCEANSIDE, CA 92056-2218
Document Number	0000281886
Instrument Date	Jun 16, 2017
Transaction Type	Mortgage
Record Updated	Jun 29, 2017
Title Company	WESTERN RESOURCES TITLE, WESTERN RSRCS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1341 PANORAMA RIDGE RD OCEANSIDE CA 920562218, OCEANSIDE, CA 92056-2218

Mortgage

Document Number	0000281886
Date	Jun 22, 2017
Instrument	281886

Lender

Name	LIBERTY HM EQUITY SOLUTIONS
Type	Funding / Finance Company
Address	RANCHO CORDOVA, CA 95670

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	972 Months
Due	Jun 21, 2098

Interest

Rate Type	Adjustable Rate
Rate	4.35%

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		$225,137 (+2%) Land $107,574 Building $117,563
2025	$2,484.00 (+6.02%) Homeowner's exemption	$220,723 (+4.04%) Land $105,465 Building $115,258
2024	$2,343.00 (+2.54%)
2023	$2,285.00 (+0.31%) Homeowner's exemption	$212,155 Land $101,371 Building $110,784
2022	$2,278.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 97% of the US · lower than 97.8% 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.

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 638 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

May also be available: San Diego Broadband, T-Mobile.

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