San Diego County property record for 1786 Terraza St, Oceanside, CA 92054
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,790 sqft · built 1977 |
| Lot Size | 0.297 acres (12,929 sqft) |
| Owner | Company Name on File |
| Last Sale | $700,000 (Nov 2005) |
| Tax Bill | $10,662 (2025) |
| Deeds & Mortgages | Apr 2020 Transfer Apr 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 165-520-04-00 |
| Primary APN | 165-520-04-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,790 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Material | Wood Shingle |
| Lot Area | 12,929 sqft (0.297 acres) |
| Lot Dimensions | 146 ft deep x 84 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1786 TERRAZA ST |
|---|---|
| City | OCEANSIDE |
| State | CA |
| Zip | 92054-6122 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RE-B |
| Legal Description | LOT 4 TR 008096 |
| Legal Subdivision | AVOCADO TERRACE |
| Legal Tract | 008096 |
| Legal Block | 3 |
| Legal Lot Number | 4 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | OCEANSIDE-ESCONDIDO |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 18504 |
Source: San Diego County records · APN 165-520-04-00
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 Record | Company Name on File |
|---|---|
| Mailing Address | 1786 TERRAZA ST, OCEANSIDE, CA 92054-6122 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Living Trust |
| Date | Document |
|---|---|
| Apr 29, 2020 | Quit Claim Deed, Transfer WFG TITLE COMPANY/CA-SAN DIEGO, WFG TITLE CO/CA-SAN DIEGO |
| Apr 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MTG |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 18, 2005 · Amount on Record |
| Deed Sale | Nov 18, 2005 · Amount on Record |
| Deed Document Number | 20051003937 |
| Last Transfer Date | Apr 24, 2020 |
| Transfer Doc | 0000217464 |
| Record Updated | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Apr 29, 2020 |
| Property Address | 1786 TERRAZA ST, OCEANSIDE, CA 92054-6122 |
| Document Number | 0000217464 |
| Instrument Date | Apr 24, 2020 |
| Instrument | 217464 |
| Transaction Type | Transfer |
| Record Updated | May 08, 2020 |
| Title Company | WFG TITLE COMPANY/CA-SAN DIEGO, WFG TITLE CO/CA-SAN DIEGO |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 1786 TERRAZA ST OCEANSIDE CA 920546122, OCEANSIDE, CA 92054-6122 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 1786 TERRAZA ST, OCEANSIDE, CA 92054-6122 |
| Document Number | 0000217465 |
| Instrument Date | Apr 23, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 08, 2020 |
| Title Company | WFG TITLE COMPANY/CA-SAN DIEGO, WFG TITLE CO/CA-SAN DIEGO |
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 1786 TERRAZA ST OCEANSIDE CA 920546122, OCEANSIDE, CA 92054-6122 |
| Document Number | 0000217465 |
|---|---|
| Date | Apr 29, 2020 |
| Instrument | 217465 |
| Name | UNITED WHOLESALE MTG |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 28, 2050 |
Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Municipality | Oceanside City |
| Unified School District | Oceanside Unified School District (KG - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $975,658 (+2%) Land $724,776 Building $250,882 | |
| 2025 | $10,662.00 (+5.2%) Homeowner's exemption | $956,528 (+4.04%) Land $710,565 Building $245,963 |
| 2023 | $10,135.00 (+1.55%) Homeowner's exemption | $919,387 Land $682,974 Building $236,413 |
| 2022 | $9,980.00 |
Source: FEMA National Flood Hazard Layer, San Diego County (06073C), as of September 3, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060730185043, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 |
| Wildfire Risk | Not rated no burnable land within 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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 |
Based on FCC filings for 449 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system 090605121, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | Arviso - Mobile Home Park private · serves 70 people |
|---|---|
| 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 |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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