2174 Luz Way, Oceanside, CA 92056 Property Records

San Diego County property record for 2174 Luz Way, Oceanside, CA 92056

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,995 sqft · built 1990
Lot Size	0.129 acres (5,618 sqft)
Owner	2 Individual Names on Record
Last Sale	$747,500 (Oct 2021)
Tax Bill	$9,348 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Nov 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`165-683-22-00`

Property Details

APN / Parcel Number

Primary APN	`165-683-22-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,995 sqft Living Area

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Lot Area	5,618 sqft (0.129 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	2174 LUZ WAY
City	OCEANSIDE
State	CA
Zip	92056-3233
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD-2
Legal Description	LOT 22 TR 012027
Legal Subdivision	DEL ORO HILLS
Legal Tract	012027
Legal Block	3
Legal Lot Number	22
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3002
Census Tract	18515

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	2174 LUZ WAY, OCEANSIDE, CA 92056-3233
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2021	Grant Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Nov 20, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage GUARANTEED RATE INC
Oct 30, 2019	Quit Claim Deed, Transfer TICOR TITLE SAN DIEGO BR
Oct 30, 2019	Grant Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Oct 30, 2019	Affidavit of Death, Transfer TICOR TITLE SAN DIEGO BR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 29, 2021 · Amount on Record
Deed Sale	Oct 29, 2021 · Amount on Record
Prior Sale	Oct 30, 2019 · Amount on Record
Deed Document Number	2021753424
Prior Transfer Date	Feb 6, 1995
Prior Transfer Doc	0000054053
Record Updated	Oct 29, 2026

October 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 29, 2021
Property Address	2174 LUZ WAY, OCEANSIDE, CA 92056-3233
Document Number	0000753424
Map Reference	MAP 12027
Instrument Date	Sep 16, 2021
Instrument	2021-0753424
Transaction Type	Transfer
Record Updated	Nov 8, 2021
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
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	2174 LUZ WAY, OCEANSIDE, CA 92056-3233

Mortgage

Document Number	0000753425
Date	Oct 29, 2021
Instrument	2021-0753425

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

November 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 20, 2020
Property Address	2174 LUZ WAY, OCEANSIDE, CA 92056-3233
Document Number	0000737174
Map Reference	MAP 12027
Instrument Date	Nov 11, 2020
Instrument	2020-0737174
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	COMMONWEALTH LAND TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	2174 LUZ WAY, OCEANSIDE, CA 92056-3233

Mortgage

Document Number	0000737175
Date	Nov 20, 2020
Instrument	2020-0737175

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 30, 2019
Property Address	2174 LUZ WAY, OCEANSIDE, CA 92056-3233
Document Number	0000493890
Instrument Date	Oct 7, 2019
Instrument	493890
Transaction Type	Transfer
Record Updated	Mar 26, 2020
Title Company	TICOR TITLE SAN DIEGO BR

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	2088 VILLAGE WOOD RD ENCINITAS CA 920244342, ENCINITAS, CA 92024-4342

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 30, 2019
Property Address	2174 LUZ WAY, OCEANSIDE, CA 92056-3233
Document Number	0000493891
Instrument Date	Sep 20, 2019
Instrument	493891
Transaction Type	Transfer
Record Updated	Mar 26, 2020
Title Company	TICOR TITLE SAN DIEGO BR

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$640.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	11455 OSOYOOS PL SAN DIEGO CA 921261445, SAN DIEGO, CA 92126-1445

Mortgage

Document Number	493892
Date	Oct 30, 2019
Instrument	493892

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 29, 2049

October 2019: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 30, 2019
Property Address	2174 LUZ WAY, OCEANSIDE, CA 92056-3233
Document Number	0000495376
Instrument Date	Aug 22, 2019
Instrument	495376
Transaction Type	Transfer
Record Updated	Mar 26, 2020
Title Company	TICOR TITLE SAN DIEGO BR

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	10045 BONNYKELLY CT BRISTOW VA 201365612, BRISTOW, VA 20136-5612

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		$809,114 (+2%) Land $458,776 Building $350,338
2025	$9,348.00 (+4.93%)	$793,250 (+4.04%) Land $449,781 Building $343,469
2023	$8,909.00 (+1.46%)	$762,449 Land $432,316 Building $330,133
2022	$8,781.00

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 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 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	La Jolla Western tribal government · serves 296 people · EPA ID 090605008
Water Source	Groundwater
Last State Inspection	Apr 2021
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	None last 10 years
Monitoring and Reporting	1 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 522 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: FiberFirst, GeoLinks, Verizon.

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