2166 Saratoga St, Oceanside, CA 92054 Property Records

San Diego County property record for 2166 Saratoga St, Oceanside, CA 92054

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,802 sqft · built 1978
Lot Size	0.195 acres (8,500 sqft)
Owner	Individual Name on File
Last Sale	$599,000 (Jul 2019)
Tax Bill	$7,294 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`148-320-02-00`

Property Details

APN / Parcel Number

Primary APN	`148-320-02-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,802 sqft Living Area

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Lot Area	8,500 sqft (0.195 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	2166 SARATOGA ST
City	OCEANSIDE
State	CA
Zip	92054-3538
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 15 TR 004925
Legal Subdivision	GOLDEN SANDS
Legal Tract	004925
Legal Block	2
Legal Lot Number	15
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2002
Census Tract	18509

Owner

Source: San Diego County assessment roll, 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	Individual Name on File
Mailing Address	2166 SARATOGA ST, OCEANSIDE, CA 92054-3538
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2021	Deed of Trust, Mortgage · VA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Jun 22, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jul 17, 2019	Grant Deed, Transfer · VA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 17, 2019 · Amount on Record
Deed Sale	Jul 17, 2019 · Amount on Record
Prior Sale	Nov 10, 2015 · Amount on Record
Deed Document Number	2019288616
Prior Transfer Date	Jul 25, 2003
Prior Transfer Doc	0000899016
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2166 SARATOGA ST, OCEANSIDE, CA 92054-3538
Transaction Type	Mortgage
Record Updated	Jul 1, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2166 SARATOGA ST, OCEANSIDE, CA 92054-3538

Mortgage

Document Number	0000452330
Date	Jun 22, 2021
Instrument	2021-0452330

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Mortgage Company
Address	HENDERSON, NV 89052

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	May 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2166 SARATOGA ST, OCEANSIDE, CA 92054-3538
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE CONNECT INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000323208
Date	Jun 22, 2020
Instrument	2020-0323208

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 17, 2019
Property Address	2166 SARATOGA ST, OCEANSIDE, CA 92054-3538
Document Number	0000288616
Map Reference	MAP 4925
Instrument Date	Jun 19, 2019
Instrument	2019-0288616
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIDELITY NATL TTL SAN DIEGO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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
Address	2166 SARATOGA ST, OCEANSIDE, CA 92054-3538

Mortgage

Document Number	0000288617
Date	Jul 17, 2019
Instrument	2019-0288617

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 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		$668,188 (+2%) Land $407,947 Building $260,241
2025	$7,294.00 (+5.22%) Homeowner's exemption	$655,088 (+4.04%) Land $399,949 Building $255,139
2023	$6,932.00 (+1.55%) Homeowner's exemption	$629,652 Land $384,419 Building $245,233
2022	$6,826.00

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
Nearby Flood Claims	8 (1998)
Claims Outside the SFHA	8 of 8
Most Recent Claim	Apr 1998 · Severe Winter Storms And Flooding
Claims by Event	Severe Winter Storms And Flooding, Apr 1998 · 8 claims

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	Not rated no burnable land within ember reach

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 334 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
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile USA Fixed Wireless	100 / 20
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

May also be available: California Internet.

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