185 McKinley St, Oceanside, CA 92057 Property Records

San Diego County property record for 185 McKinley St, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,275 sqft · built 1977
Lot Size	0.147 acres (6,388 sqft)
Owner	2 Company Names on Record
Last Sale	$282,000 (Apr 2003)
Tax Bill	$4,538 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Oct 2025 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`157-324-07-00`

Property Details

APN / Parcel Number

Primary APN	`157-324-07-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,275 sqft Living Area

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Lot Area	6,388 sqft (0.147 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	185 MCKINLEY ST
City	OCEANSIDE
State	CA
Zip	92057-4414
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-SP
Legal Description	LOT 156 TR 008049
Legal Subdivision	MISSION VALLEY BALL PARK
Legal Tract	008049
Legal Block	2
Legal Lot Number	156
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2003
Census Tract	18612

Owner

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

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

Owner of Record	2 Company Names on Record
Mailing Address	185 MCKINLEY ST, OCEANSIDE, CA 92057-4414
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2025	Deed of Trust, Mortgage · Line of Credit MISSION FCU
Oct 8, 2025	Intrafamily Transfer, Transfer
Mar 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 2, 2003 · Amount on Record
Deed Sale	Apr 2, 2003 · Amount on Record
Prior Sale	Oct 6, 1993 · Amount on Record
Deed Document Number	2003371836
Prior Transfer Date	Sep 1, 2001
Prior Transfer Doc	0000043894
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	185 MCKINLEY ST, OCEANSIDE, CA 92057-4414
Transaction Type	Mortgage
Record Updated	Oct 8, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	185 MCKINLEY ST, OCEANSIDE, CA 92057-4414

Mortgage

Document Number	0000266233
Date	Sep 25, 2025
Instrument	2025-0266233

Lender

Name	MISSION FCU
Type	Credit Union
Address	SAN DIEGO, CA 92191

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Sep 30, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 8, 2025
Property Address	185 MCKINLEY ST, OCEANSIDE, CA 92057-4414
Document Number	0000280280
Map Reference	MAP 8049
Instrument Date	Oct 7, 2025
Instrument	2025-0280280
Transaction Type	Transfer
Record Updated	Oct 17, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	185 MCKINLEY ST, OCEANSIDE, CA 92057-4414

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	185 MCKINLEY ST, OCEANSIDE, CA 92057-4414
Transaction Type	Mortgage
Record Updated	Apr 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	185 MCKINLEY ST, OCEANSIDE, CA 92057-4414

Mortgage

Document Number	0000243974
Date	Mar 30, 2021
Instrument	2021-0243974

Lender

Name	NEWREZ LLC
Type	Non-Lending Institution
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

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		$416,579 (+2%) Land $265,903 Building $150,676
2025	$4,538.00 (+5.27%) Homeowner's exemption	$408,412 (+4.04%) Land $260,690 Building $147,722
2023	$4,311.00 (+1.58%) Homeowner's exemption	$392,555 Land $250,568 Building $141,987
2022	$4,244.00

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	1 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 88% 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 505 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
San Diego Broadband Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

May also be available: T-Mobile.

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