1453 Ridgeway St, Oceanside, CA 92054 Property Records

San Diego County property record for 1453 Ridgeway St, Oceanside, CA 92054

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 3,559 sqft · built 1977
Lot Size	0.444 acres (19,358 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,295,000 (Apr 2021)
Tax Bill	$15,637 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Jan 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`151-180-36-00`

Property Details

APN / Parcel Number

Primary APN	`151-180-36-00`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	3,559 sqft Living Area
Gross Area	608 sqft
Basement Area	608 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Material	Wood Shingle
Lot Area	19,358 sqft (0.444 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1453 RIDGEWAY ST
City	OCEANSIDE
State	CA
Zip	92054-5632
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RE-B
Legal Description	PAR 7 TR PM02948
Legal Subdivision	HOTALING LANDS
Legal Tract	2948
Legal Block	2
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2015
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	1453 RIDGEWAY ST, OCEANSIDE, CA 92054-5632
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2026	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Jan 27, 2022	Deed of Trust, Mortgage · Conventional Mortgage FRONTWAVE CU
Apr 6, 2021	Grant Deed, Transfer · Conventional Mortgage SAN DIEGO FUNDING
Oct 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 6, 2021 · Amount on Record
Deed Sale	Apr 6, 2021 · Amount on Record
Prior Sale	Mar 5, 1987 · Amount on Record
Deed Document Number	2021267067
Prior Transfer Date	Jun 23, 2015
Prior Transfer Doc	0000331574
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 2, 2026
Property Address	1453 RIDGEWAY ST, OCEANSIDE, CA 92054-5632
Document Number	0000190597
Instrument Date	Jun 28, 2026
Instrument	2026190597
Transaction Type	Mortgage
Record Updated	Jul 10, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1453 RIDGEWAY ST, OCEANSIDE, CA 92054-5632

Mortgage

Document Number	0000190597,
Date	Jul 2, 2026
Instrument	2026190597

Lender

Name	COASTAL COMMUNITY BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.53%
Max Rate	-1%

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1453 RIDGEWAY ST, OCEANSIDE, CA 92054-5632
Transaction Type	Mortgage
Record Updated	Feb 4, 2022
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1453 RIDGEWAY ST, OCEANSIDE, CA 92054-5632

Mortgage

Document Number	0000040346
Date	Jan 27, 2022
Instrument	2022-0040346

Lender

Name	FRONTWAVE CU
Type	Credit Union
Address	OCEANSIDE, CA 92056

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

April 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 6, 2021
Property Address	1453 RIDGEWAY ST, OCEANSIDE, CA 92054-5632
Document Number	0000267067
Map Reference	MAP 1839
Instrument Date	Mar 14, 2021
Instrument	2021-0267067
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	EQUITY TITLE-SAN DIEGO, EQUITY TITLE SAN DIEGO

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	1453 RIDGEWAY ST, OCEANSIDE, CA 92054-5632

Mortgage

Document Number	0000267068
Date	Apr 6, 2021
Instrument	2021-0267068

Lender

Name	SAN DIEGO FUNDING
Type	Mortgage Company

Agreement

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

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1453 RIDGEWAY ST, OCEANSIDE, CA 92054-5632
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NAVY FEDERAL TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1453 RIDGEWAY ST, OCEANSIDE, CA 92054-5632

Mortgage

Document Number	0000632531
Date	Oct 19, 2020
Instrument	2020-0632531

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

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		$1,429,782 (+2%) Land $651,406 Building $778,376
2025	$15,637.00 (+5.19%) Homeowner's exemption	$1,401,748 (+4.04%) Land $638,634 Building $763,114
2023	$14,865.00 (+1.54%) Homeowner's exemption	$1,347,318 Land $613,836 Building $733,482
2022	$14,639.00

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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