1615 Whaley St, Oceanside, CA 92054 Property Records

San Diego County property record for 1615 Whaley St, Oceanside, CA 92054

Property Summary

Property Type	Residential Vacant Land
Details	3 bd · 3 ba · 2,310 sqft
Owner	Individual Name on Record
Last Sale	$1,550,000 (Oct 2023)
Tax Bill	$13,351 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Oct 2022 Second Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`154-070-63-00`

Property Details

APN / Parcel Number

Primary APN	`154-070-63-00`
Alternative APN	`154-070-43-00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	2,310 sqft

Location & Zoning

Street Address	1615 WHALEY ST
City	OCEANSIDE
State	CA
Zip	92054-5548
Property Category	Residential
Property Type	Vacant Land > Residential
Local Zoning Code	R-1:SINGLE FAM-RES
Legal Description	TR 2907 LOT 5*PAR B PER DOC17-0461587 IN TCT 62 &IN
Legal Subdivision	W H POTTER SUBDIVISION #2
Legal Tract	2907
Legal Lot Number	5
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 October 6, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	1615 WHALEY ST, OCEANSIDE, CA 92054-5548
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2023	Grant Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Oct 4, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage WILMINGTON TRUST NA
Jan 24, 2019	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jan 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Apr 19, 2019	Correction Deed, Transfer NOT AVAILABLE
Mar 9, 2018	Deed of Trust, Mortgage · Line of Credit NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 13, 2023 · Amount on Record
Deed Sale	Oct 13, 2023 · Amount on Record
Prior Sale	Sep 13, 2019
Deed Document Number	2023-0278915
Record Updated	Jun 8, 2026

October 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 13, 2023
Property Address	1615 WHALEY ST, OCEANSIDE, CA 92054-5548
Document Number	0000278915
Map Reference	MAP 2907
Instrument Date	Sep 14, 2023
Instrument	2023-0278915
Transaction Type	Transfer
Record Updated	Oct 24, 2023
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL 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	Joint Tenants
Address	1615 WHALEY ST, OCEANSIDE, CA 92054-5548

Mortgage

Document Number	0000278916
Date	Oct 13, 2023
Instrument	2023-0278916

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.87%
Type Change Date	Nov 1, 2028
Change Frequency	6 Months
Min Rate At Change	4.87%
Max Rate At Change	8.87%
Max Rate	11.8%

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1615 WHALEY ST, OCEANSIDE, CA 92054-5548
Transaction Type	Mortgage
Record Updated	Aug 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1615 WHALEY ST, OCEANSIDE, CA 92054-5548

Mortgage

Document Number	0000387364
Date	Oct 4, 2022
Instrument	2022-0387364

Lender

Name	WILMINGTON TRUST NA
Type	Bank
Address	BUFFALO, NY 14210

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1615 WHALEY ST, OCEANSIDE, CA 92054
Transaction Type	Mortgage
Record Updated	Aug 23, 2022
Title Company	SOLIDIFI TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1607 WHALEY ST, OCEANSIDE, CA 92054-5548

Mortgage

Document Number	0000027187
Date	Jan 24, 2019
Instrument	2019-0027187

Lender

Name	US BANK NA
Type	Bank
Address	OSHKOSH, WI 54902

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 8, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1615 WHALEY ST, OCEANSIDE, CA 92054
Transaction Type	Mortgage
Record Updated	Aug 23, 2022
Title Company	FIRST AMER TTL CO RES DIV

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1615 WHALEY ST, OCEANSIDE, CA 92054

Mortgage

Document Number	0000040127
Date	Jan 19, 2021
Instrument	2021-0040127

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

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

April 2019: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 19, 2019
Property Address	1615 WHALEY ST, OCEANSIDE, CA 92054
Document Number	0000143243
Instrument Date	Apr 19, 2019
Instrument	143243
Transaction Type	Transfer
Record Updated	Apr 29, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1607 WHALEY ST OCEANSIDE CA 920545548, OCEANSIDE, CA 92054-5548

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1615 WHALEY ST, OCEANSIDE, CA 92054
Document Number	0000259016
Instrument Date	Mar 9, 2018
Transaction Type	Mortgage
Record Updated	Jul 2, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	1607 WHALEY ST OCEANSIDE CA 920545548, OCEANSIDE, CA 92054-5548

Mortgage

Document Number	0000259016
Date	Jun 26, 2018
Instrument	259016

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Jun 25, 2058

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 1, 2025

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
2025	$13,351.00 (+78.11%) Homeowner's exemption	$1,197,095 (+77.69%) Land $718,258 Building $478,837
2023	$7,496.00 (+1.53%)	$673,681 Land $280,410 Building $393,271
2022	$7,383.00

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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