1611 Whaley St, Oceanside, CA 92054 Property Records

San Diego County property record for 1611 Whaley St, Oceanside, CA 92054

Property Summary

Property Type	Residential Vacant Land
Details	1,414 sqft
Owner	2 Individual Names on Record
Last Sale	$1,449,000 (Dec 2025)
Tax Bill	$3,664 (2025)
Deeds & Mortgages	Oct 2024 Mortgage Jul 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`154-070-65-00`

Property Details

APN / Parcel Number

Primary APN	`154-070-65-00`

Interior

Building Area	1,414 sqft

Location & Zoning

Street Address	1611 WHALEY ST
City	OCEANSIDE
State	CA
Zip	92054-5548
Property Category	Residential
Property Type	Vacant Land > Residential
Local Zoning Code	R-1
Legal Description	PAR 2 TR PM22111
Legal Subdivision	AS SHOWN ON PARCEL MAP NO. 22111
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1018
Census Tract	18504

Owner

Source: San Diego County records, as of July 21, 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	1611 WHALEY ST, OCEANSIDE, CA 92054-5548
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 8, 2024	Deed of Trust, Mortgage · Commercial Mortgage EDF CAPITAL LLC
Jul 21, 2025	Deed of Trust, Mortgage · Conventional Mortgage EMPORIUM TPO LLC
Dec 30, 2025	Grant Deed, Transfer · Conventional Mortgage LIBERTY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2025 · Amount on Record
Deed Sale	Dec 30, 2025 · Amount on Record
Deed Document Number	2025366022
Record Updated	Sep 20, 2026

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1611 WHALEY ST, OCEANSIDE, CA 92054-5548
Transaction Type	Mortgage
Record Updated	Jan 8, 2026
Title Company	TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6343 W LILAC RD, BONSALL, CA 92003-4102

Mortgage

Document Number	0000270468
Date	Oct 8, 2024
Instrument	2024-0270468

Lender

Name	EDF CAPITAL LLC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1611 WHALEY ST, OCEANSIDE, CA 92054-5548
Transaction Type	Mortgage
Record Updated	Jan 8, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMER TITLE SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1611 WHALEY ST, OCEANSIDE, CA 92054-5548

Mortgage

Document Number	0000197678
Date	Jul 21, 2025
Instrument	2025-0197678

Lender

Name	EMPORIUM TPO LLC
Type	Mortgage Company
Address	FRISCO, TX 75034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2055

December 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 30, 2025
Property Address	1611 WHALEY ST, OCEANSIDE, CA 92054-5548
Document Number	0000366022
Map Reference	FILE 2024-7000370
Instrument Date	Dec 5, 2025
Instrument	2025-0366022
Transaction Type	Transfer
Record Updated	Jan 8, 2026
Title Company	WESTERN RESOURCES TITLE

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	Joint Tenants
Address	1611 WHALEY ST, OCEANSIDE, CA 92054-5548

Mortgage

Document Number	0000366023
Date	Dec 30, 2025
Instrument	2025-0366023

Lender

Name	LIBERTY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	Jan 1, 2033
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11%
Index	SOFR Average 30-Day
Margin	3
Max Rate	11%

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 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		$1,449,000 (+345.63%) Land $959,000 Building $490,000
2025	$3,664.00	$325,157 Land $151,668 Building $173,489

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
Flood Insurance Cost	Premium on Record median of 16 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	16 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

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 459 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, Fixed Wireless in parts of the area	100 / 20

May also be available: GeoLinks.

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