1450 Ridgeway St, Oceanside, CA 92054 Property Records

San Diego County property record for 1450 Ridgeway St, Oceanside, CA 92054

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,700 sqft · built 1988
Lot Size	0.342 acres (14,916 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,190,000 (Oct 2021)
Tax Bill	$14,163 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Feb 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`151-190-59-00`

Property Details

APN / Parcel Number

Primary APN	`151-190-59-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,700 sqft Living Area

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Lot Area	14,916 sqft (0.342 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	1450 RIDGEWAY ST
City	OCEANSIDE
State	CA
Zip	92054-5633
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RE-B
Legal Description	PAR 3 TR PM14594
Legal Subdivision	CITY/OCEANSIDE
Legal Tract	14594
Legal Block	2
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2014
Census Tract	18504

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 Individual Names on Record
Mailing Address	1450 RIDGEWAY ST, OCEANSIDE, CA 92054-5633
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2021	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Feb 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 20, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
Feb 10, 2017	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 29, 2021 · Amount on Record
Deed Sale	Oct 29, 2021 · Amount on Record
Prior Sale	Feb 10, 2017 · Amount on Record
Deed Document Number	2021756208
Prior Transfer Date	Apr 18, 2017
Prior Transfer Doc	0000177701
Record Updated	Oct 29, 2026

October 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 29, 2021
Property Address	1450 RIDGEWAY ST, OCEANSIDE, CA 92054-5633
Document Number	0000756208
Map Reference	FILE 86-597163
Instrument Date	Oct 7, 2021
Instrument	2021-0756208
Transaction Type	Transfer
Record Updated	Nov 8, 2021
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	1450 RIDGEWAY ST, OCEANSIDE, CA 92054-5633

Mortgage

Document Number	0000756209
Date	Oct 29, 2021
Instrument	2021-0756209

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.25%
Type Change Date	Nov 1, 2031
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	7.25%
Index	Other
Max Rate	7.25%

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1450 RIDGEWAY ST, OCEANSIDE, CA 92054-5633
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000080908
Date	Feb 18, 2020
Instrument	2020-0080908

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	325 Months
Due	Mar 1, 2047

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 20, 2017
Property Address	1450 RIDGEWAY ST, OCEANSIDE, CA 92054-5633
Document Number	0000177701
Instrument Date	Apr 18, 2017
Instrument	177701
Transaction Type	Transfer
Record Updated	Apr 25, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1450 RIDGEWAY ST OCEANSIDE CA 920545633, OCEANSIDE, CA 92054-5633

February 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 10, 2017
Property Address	1450 RIDGEWAY ST, OCEANSIDE, CA 92054-5633
Document Number	0000068509
Map Reference	PM14594
Instrument Date	Jan 12, 2017
Instrument	2017-0068509
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	TICOR TITLE COMPANY OF CA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	1450 RIDGEWAY ST, OCEANSIDE, CA 92054-5633

Mortgage

Document Number	0000068510
Date	Feb 10, 2017
Instrument	2017-0068510

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2047

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	Oceanside Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,288,093 (+2%) Land $855,121 Building $432,972
2025	$14,163.00 (+5.18%)	$1,262,837 (+4.04%) Land $838,354 Building $424,483
2023	$13,466.00 (+1.53%)	$1,213,800 Land $805,800 Building $408,000
2022	$13,263.00

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	5 in force
Nearby Flood Claims	13 (1985–2018)
Claims Outside the SFHA	3 of 13
Most Recent Claim	Dec 2018 · rainfall accumulation
Claims by Event	Severe Winter Storms, Flooding, And Debris And Mud Flows, Dec 2010 · 3 claims Severe Winter Storms And Flooding, Feb 1998 · 3 claims

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	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 380 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 · Fiber in parts of the area	100 / 20

May also be available: GeoLinks.

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