197 McKinley St, Oceanside, CA 92057 Property Records

San Diego County property record for 197 McKinley St, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,591 sqft · built 1977
Lot Size	0.139 acres (6,055 sqft)
Owner	Company Name on Record
Last Sale	$490,000 (Jul 2019)
Tax Bill	$5,962 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`157-324-05-00`

Property Details

APN / Parcel Number

Primary APN	`157-324-05-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,591 sqft Living Area

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Lot Area	6,055 sqft (0.139 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	197 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 154 TR 008049
Legal Subdivision	MISSION VALLEY BALL PARK
Legal Tract	008049
Legal Block	2
Legal Lot Number	154
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 21, 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 Record
Mailing Address	197 MCKINLEY ST, OCEANSIDE, CA 92057-4414
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jul 23, 2019	Grant Deed, Transfer · Conventional Mortgage FRONTWAVE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 23, 2019 · Amount on Record
Deed Sale	Jul 23, 2019 · Amount on Record
Prior Sale	Aug 15, 1995 · Amount on Record
Deed Document Number	2019297992
Prior Transfer Date	Oct 28, 2008
Prior Transfer Doc	0000575855
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	197 MCKINLEY ST, OCEANSIDE, CA 92057-4414
Transaction Type	Mortgage
Record Updated	Sep 27, 2023
Title Company	AMERICAN SW TITLE, AMERICAN COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	197 MCKINLEY ST, OCEANSIDE, CA 92057-4414

Mortgage

Document Number	0000176071
Date	Mar 8, 2021
Instrument	2021-0176071

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 23, 2019
Property Address	197 MCKINLEY ST, OCEANSIDE, CA 92057-4414
Document Number	0000297992
Instrument Date	Jul 12, 2019
Instrument	297992
Transaction Type	Transfer
Record Updated	Jul 31, 2019
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NAT'L TITLE SAN DIEGO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$539.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	197 MCKINLEY ST OCEANSIDE CA 920574414, OCEANSIDE, CA 92057-4414

Mortgage

Document Number	297993
Date	Jul 23, 2019
Instrument	297993

Lender

Name	FRONTWAVE CU
Address	OCEANSIDE, CA 92056

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 22, 2049

Tax Assessment & Valuation

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	Oceanside Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$546,598 (+2%) Land $172,851 Building $373,747
2025	$5,962.00 (+5.24%) Homeowner's exemption	$535,881 (+4.04%) Land $169,462 Building $366,419
2023	$5,665.00 (+1.56%) Homeowner's exemption	$515,075 Land $162,883 Building $352,192
2022	$5,578.00

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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