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1778 Terraza St, Oceanside, CA 92054 Property Records

San Diego County property record for 1778 Terraza St, Oceanside, CA 92054 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,790 sqft · built 1976
Lot Size0.278 acres (12,119 sqft)
Owner2 Individual Names on File
Last Sale$620,000 (Aug 2007)
Tax Bill$9,074 (2025)
Deeds & MortgagesSep 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN165-520-06-00

Property Details

APN / Parcel Number

Primary APN165-520-06-00

Interior

Bedrooms4 Beds
Full Baths2 Baths
Total Rooms6 Rooms
Stories1 Story
Building Area1,790 sqft Living Area
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1976
Effective Year BuiltEffective 1976
Architectural StyleRanch
Exterior MaterialStucco
Construction TypeFrame
Roof MaterialWood Shingle
Lot Area12,119 sqft (0.278 acres)
View / LotGood
Garage TypeCarport
CarportCarport
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address1778 TERRAZA ST
CityOCEANSIDE
StateCA
Zip92054-6122
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 6 TR 008096
Legal SubdivisionAVOCADO TERRACE
Legal Tract008096
Legal Block3
Legal Lot Number6
JurisdictionSAN DIEGO CA
Township / Civil DivisionOCEANSIDE-ESCONDIDO
Census Block Group3
Census Block3002
Census Tract18504

Owner

Source: San Diego County records · APN 165-520-06-00

Assessment roll updated July 21, 2026 · Last verified July 2026

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

Owner of Record2 Individual Names on File
Mailing Address1778 TERRAZA ST, OCEANSIDE, CA 92054-6122
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 22, 2007 · Amount on Record
Deed SaleAug 22, 2007 · Amount on Record
Prior SaleOct 24, 1986 · Amount on Record
Deed Document Number2007560364
Prior Transfer DateJul 26, 1995
Prior Transfer Doc0000346633
Record UpdatedSep 20, 2026

September 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address1778 TERRAZA ST, OCEANSIDE, CA 92054-6122
Document Number0000548334
Instrument DateSep 12, 2020
Transaction TypeMortgage
Record UpdatedSep 25, 2020
Title CompanySTEWART TITLE, STEWART TITLE/CA

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCommunity Property
Address1778 TERRAZA ST OCEANSIDE CA 920546122, OCEANSIDE, CA 92054-6122

Mortgage

Document Number0000548334
DateSep 17, 2020
Instrument548334
Lender
NameFRONTWAVE CU
AddressOCEANSIDE, CA 92056
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueSep 16, 2050

Tax Assessment & Valuation

Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySan Diego County
MunicipalityOceanside City
Unified School DistrictOceanside Unified School District (KG - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed Value
2026$830,631 (+2%) Land $602,879 Building $227,752
2025$9,074.00 (+5.22%) Homeowner's exemption$814,345 (+4.04%) Land $591,058 Building $223,287
2023$8,624.00 (+1.55%) Homeowner's exemption$782,724 Land $568,107 Building $214,617
2022$8,492.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, San Diego County (06073C), updated September 3, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060730185043, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies3 in force
Nearby Flood Claims4 (1978–1998)
Claims Outside the SFHA1 of 4
Most Recent ClaimMay 1998, rainfall accumulation

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 449 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Cox CommunicationsCable2,000 / 100
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20
AT&TDSL100 / 20
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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