1727 S Pacific St, Oceanside, CA 92054 Property Records

San Diego County property record for 1727 S Pacific St, Oceanside, CA 92054

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,872 sqft · built 1959
Lot Size	0.124 acres (5,409 sqft)
Owner	Individual Name on File
Last Sale	$4,225,000 (Oct 2025)
Tax Bill	$47,484 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Oct 2025 Sale & Mortgage + 1 more
Flood Zone	Zone VE (high risk)
APN	`153-091-29-00`

Property Details

APN / Parcel Number

Primary APN	`153-091-29-00`
Alternative APN	`1531801300`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,872 sqft Living Area

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Lot Area	5,409 sqft (0.124 acres)
View / Lot	Ocean
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	1531801300
Street Address	1727 S PACIFIC ST
City	OCEANSIDE
State	CA
Zip	92054-5849
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	BLK E LOT 45 TR 000909
Legal Subdivision	OCEAN FRONT ADD
Legal Tract	000909
Legal Block	E
Legal Lot Number	45
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3013
Census Tract	18102

Owner

1727 S Pacific St is owned by an individual who bought it in October 2025.

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

Owner of Record	Individual Name on File
Mailing Address	PO BOX 91231, SAN DIEGO, CA 92169-3231
Owner Type	Individual
Vesting	Single Man

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
Mar 3, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Oct 31, 2025	Grant Deed, Transfer · Conventional Mortgage CITIZENS BANK NA
Mar 9, 2022	Grant Deed, Transfer · Conventional Mortgage EVERETT FINANCIAL INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 2025 · Amount on File
Deed Sale	Oct 31, 2025 · Amount on File
Prior Sale	Mar 9, 2022 · Amount on File
Deed Document Number	2025306672
Prior Transfer Date	Jun 30, 2008
Prior Transfer Doc	0000409914
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1727 S PACIFIC ST, OCEANSIDE, CA 92054-5849
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 91231, SAN DIEGO, CA 92169-3231
Investor	Possibly a Property Investor

Mortgage

Document Number	0000058615
Date	Mar 3, 2026
Instrument	2026-0058615

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	JOHNSTON, RI 02919

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Feb 26, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 31, 2025
Property Address	1727 S PACIFIC ST, OCEANSIDE, CA 92054-5849
Document Number	0000306672
Map Reference	MAP 909
Instrument Date	Oct 6, 2025
Instrument	2025-0306672
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	FIDELITY NATL TTL SAN DIEGO

Transaction

Amount	Amount on Record
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
Address	PO BOX 91231, SAN DIEGO, CA 92169-3231
Investor	Possibly a Property Investor

Mortgage

Document Number	0000306673
Date	Oct 31, 2025
Instrument	2025-0306673

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Type Change Date	Nov 1, 2030
Change Frequency	6 Months
Min Rate At Change	3.37%
Max Rate At Change	7.37%
Index	SOFR Average 30-Day
Max Rate	10.3%

Mortgage

Document Number	0000306674
Date	Oct 31, 2025
Instrument	2025-0306674

Lender

Name	GWYN MCNEAL ETUX
Type	Private Party
Address	4812 S NANILOA DR, HOLLADAY, UT 84117

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

March 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 9, 2022
Property Address	1727 S PACIFIC ST, OCEANSIDE, CA 92054-5849
Document Number	0000105263
Map Reference	MAP 909
Instrument Date	Feb 10, 2022
Instrument	2022-0105263
Transaction Type	Transfer
Record Updated	Mar 18, 2022
Title Company	GUARDIAN TITLE COMPANY

Transaction

Amount	Amount on Record
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
Address	4812 S NANILOA DR, HOLLADAY, UT 84117-6429

Mortgage

Document Number	0000105264
Date	Mar 9, 2022
Instrument	2022-0105264

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 1727 S Pacific St was $47,484.

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		$4,225,000 (-0.47%) Land $3,575,000 Building $650,000
2025	$47,484.00	$4,244,831 Land $3,586,883 Building $657,948
2023	$43,216.00 (+68.07%)	$3,905,000 Land $3,299,000 Building $606,000
2022	$25,713.00

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

Flood

FEMA maps place 1727 S Pacific St in Zone VE, a high-risk coastal flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 3, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone VE high risk · coastal, wave action
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	17.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 12 individual policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	19 units insured incl. 7 condo units
Nearby Flood Claims	3 (1993–1998)
Most Recent Claim	Feb 1998 · Severe Winter Storms And Flooding

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

The area around 1727 S Pacific St 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 77 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 · Fixed Wireless in parts of the area	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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