1423 Lucky St, Oceanside, CA 92054 Property Records

San Diego County property record for 1423 Lucky St, Oceanside, CA 92054

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,375 sqft · built 1953
Lot Size	0.232 acres (10,100 sqft)
Owner	Trust Name on File
Tax Bill	$877 (2025)
Deeds & Mortgages	Jan 2026 Reverse Mortgage May 2020 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`152-270-16-00`

Property Details

APN / Parcel Number

Primary APN	`152-270-16-00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,375 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Lot Area	10,100 sqft (0.232 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	1423 LUCKY ST
City	OCEANSIDE
State	CA
Zip	92054-5440
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 16 TR 002878
Legal Subdivision	LUCKY LTS
Legal Tract	002878
Legal Block	1
Legal Lot Number	16
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1013
Census Tract	18101

Owner

1423 Lucky St is owner-occupied and held in a trust since November 2007.

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

Owner of Record	Trust Name on File
Mailing Address	1423 LUCKY ST, OCEANSIDE, CA 92054-5440
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

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

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2026	Deed of Trust, Mortgage · Reverse Mortgage CMG MORTGAGE INC
May 7, 2020	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Mar 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA
Oct 15, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Feb 23, 2017	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Nov 30, 2007
Transfer Doc	0000746374
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1423 LUCKY ST, OCEANSIDE, CA 92054-5440
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1423 LUCKY ST, OCEANSIDE, CA 92054-5440

Mortgage

Document Number	0000007432
Date	Jan 12, 2026
Instrument	2026-0007432

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company
Address	SAN RAMON, CA 94583

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1423 LUCKY ST, OCEANSIDE, CA 92054-5440
Document Number	0000251125
Instrument Date	May 7, 2020
Transaction Type	Mortgage
Record Updated	May 27, 2020
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1423 LUCKY ST OCEANSIDE CA 920545440, OCEANSIDE, CA 92054-5440

Mortgage

Document Number	0000251125
Date	May 18, 2020
Instrument	251125

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1423 LUCKY ST, OCEANSIDE, CA 92054-5440
Document Number	0000143765
Instrument Date	Mar 12, 2020
Transaction Type	Mortgage
Record Updated	Apr 7, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1423 LUCKY ST OCEANSIDE CA 920545440, OCEANSIDE, CA 92054-5440

Mortgage

Document Number	0000143765
Date	Mar 19, 2020
Instrument	143765

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 18, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1423 LUCKY ST, OCEANSIDE, CA 92054-5440
Document Number	0000481952
Instrument Date	Oct 15, 2019
Transaction Type	Mortgage
Record Updated	Nov 1, 2019
Title Company	TITLE365 - OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	1423 LUCKY ST OCEANSIDE CA 920545440, OCEANSIDE, CA 92054-5440

Mortgage

Document Number	0000481952
Date	Oct 24, 2019
Instrument	481952

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1423 LUCKY ST, OCEANSIDE, CA 92054-5440
Document Number	0000098355
Instrument Date	Feb 23, 2017
Transaction Type	Mortgage
Record Updated	Mar 7, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	1423 LUCKY ST OCEANSIDE CA 920545440, OCEANSIDE, CA 92054-5440

Mortgage

Document Number	0000098355
Date	Mar 2, 2017
Instrument	98355

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1423 Lucky St was $877 with a homeowner's exemption.

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	Oceanside Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$82,406 (+2%) Land $31,069 Building $51,337
2025	$877.00 Homeowner's exemption	$80,791 Land $30,460 Building $50,331
2023	$830.00 (+1.72%) Homeowner's exemption	$77,656 Land $29,278 Building $48,378
2022	$816.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 1423 Lucky St in Zone X, an area of minimal flood risk, within 500 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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	9 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

The area around 1423 Lucky 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	Arviso - Mobile Home Park private · serves 70 people · EPA ID 090605121
Water Source	Groundwater
Last State Inspection	Feb 2026
Also Mapped Here	SAN DIEGO COUNTY WATER AUTHORITY, CITY OF OCEANSIDE
Lead	Below detection (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Coliform assessment Dec 2019
Monitoring and Reporting	26 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 680 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: GeoLinks, Verizon.

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