1902 Stewart St, Oceanside, CA 92054 Property Records

San Diego County property record for 1902 Stewart St, Oceanside, CA 92054

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,432 sqft · built 1946
Owner	2 Individual Names on Record
Last Sale	$890,000 (Aug 2020)
Tax Bill	$6,444 (2025)
Deeds & Mortgages	Jul 2022 Mortgage Aug 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`153-390-23-00`

Property Details

APN / Parcel Number

Primary APN	`153-390-23-00`
Alternative APN	`153-390-28-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,432 sqft Living Area

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1902 STEWART ST
City	OCEANSIDE
State	CA
Zip	92054-6420
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	BLK E LOT 1 PAR A PER DOC22-0162437 IN TR 002014
Legal Subdivision	TOLLE
Legal Tract	002014
Legal Block	E
Legal Lot Number	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1001
Census Tract	18102

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 Individual Names on Record
Mailing Address	1902 STEWART ST, OCEANSIDE, CA 92054-6420
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 25, 2022	Deed of Trust, Mortgage · Conventional Mortgage MUFG UNION BANK NA
Aug 28, 2020	Grant Deed, Transfer · Conventional Mortgage CHARLES & ANGELA RICHARDS
Oct 7, 2019	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 28, 2020 · Amount on Record
Deed Sale	Aug 28, 2020 · Amount on Record
Deed Document Number	2020493775
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1902 STEWART ST, OCEANSIDE, CA 92054-6420
Transaction Type	Mortgage
Record Updated	Aug 18, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1674 NW EMERSON CT, MCMINNVILLE, OR 97128-5920

Mortgage

Document Number	0000304375
Date	Jul 25, 2022
Instrument	2022-0304375

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Type Change Date	Aug 1, 2027
Min Rate At Change	3.12%
Max Rate At Change	7.12%
Index	Other
Max Rate	11.1%

August 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 28, 2020
Property Address	1902 STEWART ST, OCEANSIDE, CA 92054-6420
Document Number	0000493775
Instrument Date	Jul 16, 2020
Instrument	493775
Transaction Type	Transfer
Record Updated	Sep 9, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE SAN DIEGO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$979.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1902 STEWART ST OCEANSIDE CA 920546420, OCEANSIDE, CA 92054-6420

Mortgage

Document Number	493776
Date	Aug 28, 2020
Instrument	493776

Lender

Name	CHARLES & ANGELA RICHARDS
Address	1219 KELLY ST, OCEANSIDE, CA 92054-6407

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

October 2019: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 7, 2019
Property Address	1902 STEWART ST, OCEANSIDE, CA 92054-6420
Document Number	0000447215
Instrument Date	Aug 5, 2019
Instrument	447215
Transaction Type	Transfer
Record Updated	Oct 15, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1514 SAN JOSE ST OCEANSIDE CA 920581116, OCEANSIDE, CA 92058-1116

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		$583,463 (+2%) Land $445,780 Building $137,683
2025	$6,444.00 (+5.17%)	$572,024 (+4.04%) Land $437,040 Building $134,984
2023	$6,127.00	$549,814 Land $420,070 Building $129,744

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

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 98% of the US · lower than 98.4% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 459 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 Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: GeoLinks.

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