1784 Troy Ln, Oceanside, CA 92054 Property Records

San Diego County property record for 1784 Troy Ln, Oceanside, CA 92054

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,570 sqft · built 1985
Lot Size	0.262 acres (11,391 sqft)
Owner	Company Name on File
Last Sale	$179,900 (May 1985)
Tax Bill	$4,345 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Oct 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`154-230-28-00`

Property Details

APN / Parcel Number

Primary APN	`154-230-28-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,570 sqft Living Area

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Lot Area	11,391 sqft (0.262 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	1784 TROY LN
City	OCEANSIDE
State	CA
Zip	92054-5648
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RE-B
Legal Description	PAR 5 TR PM04356
Legal Subdivision	NORTH CARLSBAD ANNEX
Legal Tract	4356
Legal Block	3
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3007
Census Tract	18504

Owner

Source: San Diego County assessment roll, 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	Company Name on File
Mailing Address	1784 TROY LN, OCEANSIDE, CA 92054-5648
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2026	Deed of Trust, Mortgage · Line of Credit MISSION FCU
Oct 23, 2025	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 31, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 3, 1985 · Amount on Record
Deed Sale	May 3, 1985 · Amount on Record
Deed Document Number	1985156512
Last Transfer Date	Aug 28, 2018
Transfer Doc	0000361611
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1784 TROY LN, OCEANSIDE, CA 92054-5648
Transaction Type	Mortgage
Record Updated	Mar 31, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1784 TROY LN, OCEANSIDE, CA 92054-5648

Mortgage

Document Number	0000078427
Date	Mar 23, 2026
Instrument	2026-0078427

Lender

Name	MISSION FCU
Type	Credit Union
Address	SAN DIEGO, CA 92131

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Mar 31, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1784 TROY LN, OCEANSIDE, CA 92054-5648
Transaction Type	Mortgage
Record Updated	Nov 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1784 TROY LN, OCEANSIDE, CA 92054-5648

Mortgage

Document Number	0000297532
Date	Oct 23, 2025
Instrument	2025-0297532

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

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

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 31, 2018
Property Address	1784 TROY LN, OCEANSIDE, CA 92054-5648
Document Number	0000361611
Instrument Date	Aug 28, 2018
Instrument	361611
Transaction Type	Transfer
Record Updated	Sep 7, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1784 TROY LN OCEANSIDE CA 920545648, OCEANSIDE, CA 92054-5648

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		$399,044 (+2%) Land $134,655 Building $264,389
2025	$4,345.00 (+1.97%) Homeowner's exemption	$391,220 (+4.04%) Land $132,015 Building $259,205
2024	$4,261.00 (+3.22%)
2023	$4,128.00 (+1.57%) Homeowner's exemption	$376,031 Land $126,890 Building $249,141
2022	$4,064.00

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

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	4 (1978–1998)
Claims Outside the SFHA	1 of 4
Most Recent Claim	May 1998 · rainfall accumulation

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	Low lower than 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	Arviso - Mobile Home Park private · serves 70 people · EPA ID 090605121
Water Source	Groundwater
Last State Inspection	Feb 2026
Also Mapped Here	SAN DIEGO COUNTY WATER AUTHORITY, CITY OF OCEANSIDE
Lead	Below detection (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Coliform assessment Dec 2019
Monitoring and Reporting	26 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 380 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 USA Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: California Internet.

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