196 McKinley St, Oceanside, CA 92057 Property Records

San Diego County property record for 196 McKinley St, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,315 sqft · built 1977
Lot Size	0.138 acres (6,021 sqft)
Owner	Individual Name on Record
Tax Bill	$872 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Oct 2025 Reverse Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`157-323-23-00`

Property Details

APN / Parcel Number

Primary APN	`157-323-23-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,315 sqft Living Area

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Conventional
Exterior Material	Stucco
Roof Material	Tar & Gravel
Lot Area	6,021 sqft (0.138 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	196 MCKINLEY ST
City	OCEANSIDE
State	CA
Zip	92057-4413
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-SP
Legal Description	LOT 185 TR 008049
Legal Subdivision	MISSION VALLEY BALL PARK
Legal Tract	008049
Legal Block	2
Legal Lot Number	185
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2002
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	Individual Name on Record
Mailing Address	196 MCKINLEY ST, OCEANSIDE, CA 92057-4413
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2026	Deed of Trust, Mortgage · Line of Credit ENNKAR INC
Oct 27, 2025	Deed of Trust, Mortgage · Reverse Mortgage NATIONWIDE EQUITIES CORP
Oct 16, 2023	Affidavit of Death of Joint Tenant, Transfer · Reverse Mortgage THE MONEY HOUSE INC
Jul 28, 2017	Deed of Trust, Mortgage · Reverse Mortgage BRIDGEVIEW BANK GROUP
Jul 24, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 3, 2026
Property Address	196 MCKINLEY ST, OCEANSIDE, CA 92057-4413
Document Number	0000223096
Instrument Date	Jul 27, 2026
Instrument	2026223096
Transaction Type	Mortgage
Record Updated	Aug 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Surviving Joint Tenant, 290
Address	196 MCKINLEY ST, OCEANSIDE, CA 92057-4413

Mortgage

Document Number	0000223096,
Date	Aug 3, 2026
Instrument	2026223096

Lender

Name	ENNKAR INC

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.49%
Max Rate	-1%

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	196 MCKINLEY ST, OCEANSIDE, CA 92057-4413
Transaction Type	Mortgage
Record Updated	Nov 6, 2025
Title Company	PLACER TITLE COMPANY, PLACER TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	196 MCKINLEY ST, OCEANSIDE, CA 92057-4413

Mortgage

Document Number	0000301387
Date	Oct 27, 2025
Instrument	2025-0301387

Lender

Name	NATIONWIDE EQUITIES CORP
Type	Mortgage Company
Address	PARK RIDGE, NJ 07656

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

October 2023: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 16, 2023
Property Address	196 MCKINLEY ST, OCEANSIDE, CA 92057-4413
Document Number	0000279981
Map Reference	MAP 8049
Instrument Date	Oct 16, 2023
Instrument	2023-0279981
Transaction Type	Transfer
Record Updated	Oct 25, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000279982
Date	Oct 16, 2023
Instrument	2023-0279982

Lender

Name	THE MONEY HOUSE INC
Type	Mortgage Company
Address	ORLANDO, FL 32819

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	772 Months
Due	Feb 13, 2088

Interest

Rate Type	Adjustable Rate
Rate	7.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2023
Change Frequency	Monthly
Index	1-Year T-Bill
Max Rate	12.3%

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	196 MCKINLEY ST, OCEANSIDE, CA 92057-4413
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000343182
Date	Jul 28, 2017
Instrument	2017-0343182

Lender

Name	BRIDGEVIEW BANK GROUP
Type	Bank
Address	LOMBARD, IL 60148

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	902 Months
Due	Sep 4, 2092

Interest

Rate Type	Adjustable Rate
Rate	4.36%
Type Change Date	Aug 1, 2018
Change Frequency	Annually
Index	1-Year LIBOR

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	196 MCKINLEY ST, OCEANSIDE, CA 92057-4413
Document Number	0000343183
Instrument Date	Jul 24, 2017
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	WFG NATIONAL TITLE COMPANY, WFG NAT'L TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	196 MCKINLEY ST OCEANSIDE CA 920574413, OCEANSIDE, CA 92057-4413

Mortgage

Document Number	0000343183
Date	Jul 28, 2017
Instrument	343183

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	900 Months
Due	Jul 27, 2092

Interest

Rate Type	Adjustable Rate
Rate	4.36%

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		$81,944 (+2%) Land $19,995 Building $61,949
2025	$872.00 (+5.7%) Homeowner's exemption	$80,338 (+4.04%) Land $19,603 Building $60,735
2023	$825.00 (+1.73%) Homeowner's exemption	$77,221 Land $18,843 Building $58,378
2022	$811.00

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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