1794 Valley Oak Way, Oceanside, CA 92056 Property Records

San Diego County property record for 1794 Valley Oak Way, Oceanside, CA 92056

Property Summary

Property Type	Condominium
Details	4 bd · 2.5 ba · 2,143 sqft · built 2022
Owner	2 Individual Names on File
Last Sale	$925,000 (Mar 2026)
Tax Bill	$9,458 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Oct 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`161-030-34-60`

Property Details

APN / Parcel Number

Primary APN	`161-030-34-60`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,143 sqft Living Area

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Condo/Apartment
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1794 VALLEY OAK WAY
City	OCEANSIDE
State	CA
Zip	92056-6427
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	PD-28
Legal Description	LOT 34 US 98 PER DOC22-0220534&UND INT IN PHASE 3 TR 016463
Legal Subdivision	MELROSE HEIGHTS PH 3
Legal Tract	016463
Legal Lot Number	34
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3002
Census Tract	19303

Owner

1794 Valley Oak Way, a condominium, is owned and occupied by two individuals who bought it in March 2026.

Source: San Diego County records, as of July 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1794 VALLEY OAK WAY, OCEANSIDE, CA 92056-6427
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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 16, 2026	Grant Deed, Transfer · Conventional Mortgage EZ FUNDINGS INC
Oct 12, 2022	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 16, 2026 · Amount on File
Deed Sale	Mar 16, 2026 · Amount on File
Deed Document Number	202671656
Record Updated	Sep 20, 2026

March 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 16, 2026
Property Address	1794 VALLEY OAK WAY, OCEANSIDE, CA 92056-6427
Document Number	0000071656
Map Reference	MAP 16463
Instrument Date	Feb 23, 2026
Instrument	2026-0071656
Transaction Type	Transfer
Record Updated	Mar 24, 2026
Title Company	CHICAGO TITLE COMPANY-SD, CHICAGO TITLE COMPANY SD

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	Joint Tenants
Address	1794 VALLEY OAK WAY, OCEANSIDE, CA 92056-6427

Mortgage

Document Number	0000071657
Date	Mar 16, 2026
Instrument	2026-0071657

Lender

Name	EZ FUNDINGS INC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

October 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 12, 2022
Property Address	1794 VALLEY OAK WAY, OCEANSIDE, CA 92056-6427
Document Number	0000396223
Map Reference	FILE 2021-7000220
Instrument Date	Jun 13, 2022
Instrument	2022-0396223
Transaction Type	Transfer
Record Updated	Aug 4, 2023
Title Company	FIRST AMERICAN TITLE COMPANY HOMEBU, FIRST AMER TTL CO HOMEBUILDE

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	Family Living Trust
Address	13403 HUDSON LN, SAN DIEGO, CA 92130-5690

Mortgage

Document Number	0000396224
Date	Oct 12, 2022
Instrument	2022-0396224

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	Nov 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	9.37%
Index	Other
Max Rate	9.37%

Tax Assessment & Valuation

The 2025 property tax bill for 1794 Valley Oak Way was $9,458, up 6% from the year before.

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	Vista Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$850,911 (+2%) Land $488,155 Building $362,756
2025	$9,458.00 (+6.04%)	$834,228 Land $478,584 Building $355,644
2024	$8,919.00 (+2.46%)
2023	$8,705.00	$813,035 Land $460,000 Building $353,035

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

Flood

FEMA maps place 1794 Valley Oak Way in Zone X, an area of minimal flood risk.

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	2 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

Wildfire risk around 1794 Valley Oak Way is low, with a 0.01% annual chance of 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	0.01% annual chance
Exposure	None beyond 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 248 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, GeoLinks.

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