2186 Luz Way, Oceanside, CA 92056 Property Records

San Diego County property record for 2186 Luz Way, Oceanside, CA 92056

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,995 sqft · built 1989
Lot Size	0.108 acres (4,710 sqft)
Owner	2 Individual Names on Record
Last Sale	$885,000 (May 2023)
Tax Bill	$10,695 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`165-683-19-00`

Property Details

APN / Parcel Number

Primary APN	`165-683-19-00`

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 1989
Effective Year Built	Effective 1989
Lot Area	4,710 sqft (0.108 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	2186 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 19 TR 012027
Legal Subdivision	DEL ORO HILLS
Legal Tract	012027
Legal Block	3
Legal Lot Number	19
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 August 17, 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	2186 LUZ WAY, OCEANSIDE, CA 92056-3233
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 18, 2023 · Amount on Record
Deed Sale	May 18, 2023 · Amount on Record
Prior Sale	Feb 14, 1989 · Amount on Record
Deed Document Number	2023131280
Prior Transfer Date	May 11, 2023
Prior Transfer Doc	0000131279
Record Updated	Sep 20, 2026

May 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 18, 2023
Property Address	2186 LUZ WAY, OCEANSIDE, CA 92056-3233
Document Number	0000131280
Map Reference	MAP 12027
Instrument Date	Apr 7, 2023
Instrument	2023-0131280
Transaction Type	Transfer
Record Updated	May 29, 2023
Title Company	FIRST AMERICAN TTL SAN DIEGO

Transaction

Amount	Amount Recorded
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	2186 LUZ WAY, OCEANSIDE, CA 92056-3233

Mortgage

Document Number	0000131281
Date	May 18, 2023
Instrument	2023-0131281

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

Mortgage

Document Number	0000131282
Date	May 18, 2023
Instrument	2023-0131282

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	362 Months
Due	Jul 16, 2053

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		$939,168 (+2%) Land $636,724 Building $302,444
2025	$10,695.00 (+138.3%) Homeowner's exemption	$920,754 (+153.99%) Land $624,240 Building $296,514
2023	$4,488.00 (+1.38%)	$362,513 Land $126,244 Building $236,269
2022	$4,427.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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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