161 Ramona Way, Oceanside, CA 92057 Property Records

San Diego County property record for 161 Ramona Way, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,718 sqft · built 2001
Lot Size	0.9 acres (3,908 sqft)
Owner	Trust Name on File
Last Sale	$230,500 (Jan 2001)
Tax Bill	$4,577 (2025)
Deeds & Mortgages	Jan 2024 Mortgage Apr 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`158-650-36-00`

Property Details

APN / Parcel Number

Primary APN	`158-650-36-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,718 sqft Living Area

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Lot Area	3,908 sqft (0.9 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	161 RAMONA WAY
City	OCEANSIDE
State	CA
Zip	92057-7377
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD-9
Legal Description	LOT 49 TR 013374
Legal Subdivision	MISSION POINT
Legal Tract	013374
Legal Block	3
Legal Lot Number	49
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3003
Census Tract	18523

Owner

161 Ramona Way is owner-occupied and held in a trust since September 2021.

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

Owner of Record	Trust Name on File
Mailing Address	161 RAMONA WAY, OCEANSIDE, CA 92057-7377
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable 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 22, 2024	Deed of Trust, Mortgage · Commercial Mortgage FRONTWAVE CU
Apr 11, 2022	Deed of Trust, Mortgage · Line of Credit US BANK NA
Sep 20, 2021	Intrafamily Transfer, Transfer ACCOMMODATION
Sep 17, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage OPEN MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 26, 2001 · Amount on File
Deed Sale	Jan 26, 2001 · Amount on File
Deed Document Number	200146661
Last Transfer Date	Sep 13, 2021
Transfer Doc	0000660806
Record Updated	Sep 20, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	161 RAMONA WAY, OCEANSIDE, CA 92057-7377
Transaction Type	Mortgage
Record Updated	Jan 30, 2024
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	161 RAMONA WAY, OCEANSIDE, CA 92057-7377

Mortgage

Document Number	0000017470
Date	Jan 22, 2024
Instrument	2024-0017470

Lender

Name	FRONTWAVE CU
Type	Credit Union
Address	OCEANSIDE, CA 92056

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	300 Months
Due	Jan 24, 2049

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	161 RAMONA WAY, OCEANSIDE, CA 92057-7377
Transaction Type	Mortgage
Record Updated	Apr 20, 2022
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	161 RAMONA WAY, OCEANSIDE, CA 92057-7377

Mortgage

Document Number	0000157854
Date	Apr 11, 2022
Instrument	2022-0157854

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Mar 20, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 20, 2021
Property Address	161 RAMONA WAY, OCEANSIDE, CA 92057-7377
Document Number	0000660806
Map Reference	MAP 13374
Instrument Date	Sep 13, 2021
Instrument	2021-0660806
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

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	Family Revocable Trust
Address	161 RAMONA WAY, OCEANSIDE, CA 92057-7377

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 17, 2021
Property Address	161 RAMONA WAY, OCEANSIDE, CA 92057-7377
Document Number	0000660481
Map Reference	MAP 13374
Instrument Date	Aug 13, 2021
Instrument	2021-0660481
Transaction Type	Transfer
Record Updated	Sep 28, 2021
Title Company	CHICAGO TITLE COMPANY

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	Joint Tenants
Address	161 RAMONA WAY, OCEANSIDE, CA 92057-7377

Mortgage

Document Number	0000660482
Date	Sep 17, 2021
Instrument	2021-0660482

Lender

Name	OPEN MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 161 Ramona Way was $4,577 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		$420,215 (+2%) Land $203,296 Building $216,919
2025	$4,577.00 Homeowner's exemption	$411,976 Land $199,310 Building $212,666
2023	$4,349.00 (+1.56%) Homeowner's exemption	$395,980 Land $191,571 Building $204,409
2022	$4,282.00

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

Flood

FEMA maps place 161 Ramona Way in Zone X, an area of minimal flood risk.

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

The area around 161 Ramona Way 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	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 399 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, GeoLinks.

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