1345 Panorama Ridge Rd, Oceanside, CA 92056 Property Records

San Diego County property record for 1345 Panorama Ridge Rd, Oceanside, CA 92056

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,073 sqft · built 1980
Lot Size	0.224 acres (9,750 sqft)
Owner	2 Company Names on Record
Last Sale	$288,000 (Sep 2016)
Tax Bill	$4,382 (2025)
Deeds & Mortgages	Oct 2025 Transfer Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`161-401-05-00`

Property Details

APN / Parcel Number

Primary APN	`161-401-05-00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,073 sqft Living Area

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	9,750 sqft (0.224 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1345 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 586 TR 008882
Legal Subdivision	PEACOCK HILLS
Legal Tract	008882
Legal Block	2
Legal Lot Number	586
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	1345 PANORAMA RIDGE RD, OCEANSIDE, CA 92056-2218
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2025	Intrafamily Transfer, Transfer
Dec 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
Jul 2, 2019	Deed of Trust, Mortgage · Line of Credit TIAA FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 2, 2016 · Amount on Record
Deed Sale	Sep 2, 2016 · Amount on Record
Prior Sale	Feb 2, 2016 · Amount on Record
Deed Document Number	2016462181
Prior Transfer Date	Oct 27, 1993
Prior Transfer Doc	0000729473
Record Updated	Oct 29, 2026

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 20, 2025
Property Address	1345 PANORAMA RIDGE RD, OCEANSIDE, CA 92056-2218
Document Number	0000292401
Map Reference	MAP 8882
Instrument Date	Oct 13, 2025
Instrument	2025-0292401
Transaction Type	Transfer
Record Updated	Oct 29, 2025

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	Living Trust
Address	1345 PANORAMA RIDGE RD, OCEANSIDE, CA 92056-2218

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1345 PANORAMA RIDGE RD, OCEANSIDE, CA 92056-2218
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG TITLE CO OF CA SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1345 PANORAMA RIDGE RD, OCEANSIDE, CA 92056-2218

Mortgage

Document Number	0000808737
Date	Dec 16, 2020
Instrument	2020-0808737

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

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

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1345 PANORAMA RIDGE RD, OCEANSIDE, CA 92056-2218
Document Number	0000367123
Instrument Date	Jul 2, 2019
Transaction Type	Mortgage
Record Updated	Sep 6, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1345 PANORAMA RIDGE RD OCEANSIDE CA 920562218, OCEANSIDE, CA 92056-2218

Mortgage

Document Number	0000367123
Date	Aug 28, 2019
Instrument	367123

Lender

Name	TIAA FSB
Address	JACKSONVILLE, FL 32202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 27, 2049

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		$396,582 (+2%) Land $248,331 Building $148,251
2025	$4,382.00 (+8.68%) Homeowner's exemption	$388,807 (+4.04%) Land $243,462 Building $145,345
2023	$4,032.00 (+0.27%) Homeowner's exemption	$373,711 Land $234,009 Building $139,702
2022	$4,021.00

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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