2194 Luz Way, Oceanside, CA 92056 Property Records

San Diego County property record for 2194 Luz Way, Oceanside, CA 92056

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,281 sqft · built 1989
Lot Size	0.105 acres (4,570 sqft)
Owner	2 Company Names on Record
Last Sale	$770,000 (Jul 2026)
Tax Bill	$3,463 (2025)
Deeds & Mortgages	Jul 2026 Transfer Jul 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`165-683-17-00`

Property Details

APN / Parcel Number

Primary APN	`165-683-17-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,281 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Conventional
Lot Area	4,570 sqft (0.105 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	2194 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 17 TR 012027
Legal Subdivision	DEL ORO HILLS
Legal Tract	012027
Legal Block	3
Legal Lot Number	17
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 5, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	2194 LUZ WAY, OCEANSIDE, CA 92056-3233
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2026	Affidavit of Death of Trustee, Transfer
Jul 28, 2026	Grant Deed, Transfer · Conventional Mortgage FINANCIAL CORPORATION
Dec 26, 2023	Intrafamily Transfer, Transfer
Dec 27, 2023	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2026 · Amount on Record
Deed Sale	Jul 28, 2026 · Amount on Record
Prior Sale	Apr 7, 1999 · Amount on Record
Deed Document Number	2026216888
Prior Transfer Date	Dec 15, 2023
Prior Transfer Doc	0000353253
Record Updated	Sep 20, 2026

July 2026: Affidavit of Death of Trustee, Transfer

Document Type	Affidavit of Death of Trustee
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 28, 2026
Property Address	2194 LUZ WAY, OCEANSIDE, CA 92056-3233
Document Number	0000216887
Instrument Date	Jul 21, 2026
Instrument	2026216887
Transaction Type	Transfer
Record Updated	Aug 31, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2194 LUZ WAY, OCEANSIDE, CA 92056-3233

July 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 28, 2026
Property Address	2194 LUZ WAY, OCEANSIDE, CA 92056-3233
Document Number	0000216888
Instrument Date	Jun 9, 2026
Instrument	2026216888
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$85,547.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2194 LUZ WAY, OCEANSIDE, CA 92056-3233

Mortgage

Document Number	0000216889,
Date	Jul 28, 2026
Instrument	2026216889

Lender

Name	FINANCIAL CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 26, 2023
Property Address	2194 LUZ WAY, OCEANSIDE, CA 92056-3233
Document Number	0000352579
Map Reference	MAP 12027
Instrument Date	Dec 15, 2023
Instrument	2023-0352579
Transaction Type	Transfer
Record Updated	Jan 4, 2024

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	Revocable Trust
Address	2194 LUZ WAY, OCEANSIDE, CA 92056-3233

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 27, 2023
Property Address	2194 LUZ WAY, OCEANSIDE, CA 92056-3233
Document Number	0000353253
Map Reference	MAP 12027
Instrument Date	Dec 15, 2023
Instrument	2023-0353253
Transaction Type	Transfer
Record Updated	Jan 5, 2024

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	Irrevocable Trust
Address	2194 LUZ WAY, OCEANSIDE, CA 92056-3233

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		$279,012 (+2%) Land $101,086 Building $177,926
2025	$3,463.00 (+1.76%) Homeowner's exemption	$273,542 (+4.04%) Land $99,104 Building $174,438
2024	$3,403.00 (+2.81%)
2023	$3,310.00 (+1.38%) Homeowner's exemption	$262,921 Land $95,256 Building $167,665
2022	$3,265.00

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 99.8% of the US · lower than 99.8% 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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