2043 Janet Cir, Oceanside, CA 92054 Property Records

San Diego County property record for 2043 Janet Cir, Oceanside, CA 92054

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,924 sqft · built 1975
Lot Size	0.36 acres (15,700 sqft)
Owner	2 Individual Names on File
Last Sale	$1,460,000 (Nov 2022)
Tax Bill	$16,947 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Dec 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`151-200-31-00`

Property Details

APN / Parcel Number

Primary APN	`151-200-31-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,924 sqft Living Area

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Lot Area	15,700 sqft (0.36 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	2043 JANET CIR
City	OCEANSIDE
State	CA
Zip	92054-6120
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RE-B
Legal Description	LOT 11 TR 007782
Legal Subdivision	FIRE MOUNTAIN ESTATES
Legal Tract	007782
Legal Block	3
Legal Lot Number	11
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3008
Census Tract	18504

Owner

2043 Janet Cir is owned and occupied by two individuals who bought it in November 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	2043 JANET CIR, OCEANSIDE, CA 92054-6120
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
Nov 28, 2022	Grant Deed, Transfer · Conventional Mortgage SILICON VALLEY BANK
Dec 5, 2017	Deed of Trust, Mortgage · ARM MUFG UNION BANK NA
Oct 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 28, 2022 · Amount on File
Deed Sale	Nov 28, 2022 · Amount on File
Prior Sale	Nov 1, 1995 · Amount on File
Deed Document Number	2022450858
Prior Transfer Date	Jun 9, 2005
Prior Transfer Doc	0000518030
Record Updated	Oct 29, 2026

November 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 28, 2022
Property Address	2043 JANET CIR, OCEANSIDE, CA 92054-6120
Document Number	0000450858
Map Reference	MAP 7782
Instrument Date	Nov 16, 2022
Instrument	2022-0450858
Transaction Type	Transfer
Record Updated	Dec 5, 2022
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

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	2043 JANET CIR, OCEANSIDE, CA 92054-6120

Mortgage

Document Number	0000450859
Date	Nov 28, 2022
Instrument	2022-0450859

Lender

Name	SILICON VALLEY BANK
Type	Bank

Agreement

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

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2043 JANET CIR, OCEANSIDE, CA 92054-6120
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ORTC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000564287
Date	Dec 5, 2017
Instrument	2017-0564287

Lender

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

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Type Change Date	Dec 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.62%
Index	1-Year LIBOR
Max Rate	9.62%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2043 JANET CIR, OCEANSIDE, CA 92054-6120
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 833, HAMILTON, MT 59840-0833

Mortgage

Document Number	0000633744
Date	Oct 19, 2020
Instrument	2020-0633744

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.62%
Type Change Date	Oct 1, 2027
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	7.62%
Index	1-Year LIBOR
Margin	2
Max Rate	7.62%

Tax Assessment & Valuation

The 2025 property tax bill for 2043 Janet Cir was $16,947 with a homeowner's exemption.

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		$1,549,362 (+2%) Land $1,039,983 Building $509,379
2025	$16,947.00 Homeowner's exemption	$1,518,984 Land $1,019,592 Building $499,392
2023	$16,111.00 (+362.69%) Homeowner's exemption	$1,460,000 Land $980,000 Building $480,000
2022	$3,482.00

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

Flood

FEMA maps place 2043 Janet Cir in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1978.

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
Nearby Flood Claims	4 (1978–1998)
Claims Outside the SFHA	1 of 4
Most Recent Claim	May 1998 · rainfall accumulation

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

The area around 2043 Janet Cir has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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	Arviso - Mobile Home Park private · serves 70 people · EPA ID 090605121
Water Source	Groundwater
Last State Inspection	Feb 2026
Also Mapped Here	SAN DIEGO COUNTY WATER AUTHORITY, CITY OF OCEANSIDE
Lead	Below detection (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Coliform assessment Dec 2019
Monitoring and Reporting	26 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 380 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 in parts of the area	100 / 20

May also be available: GeoLinks.

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