2195 Castilla Way, Oceanside, CA 92056 Property Records

San Diego County property record for 2195 Castilla Way, Oceanside, CA 92056

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,995 sqft · built 1990
Lot Size	0.95 acres (4,148 sqft)
Owner	2 Trust Names on File
Last Sale	$173,000 (Sep 1993)
Tax Bill	$3,691 (2025)
Deeds & Mortgages	Sep 2020 Reverse Mortgage Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`165-684-02-00`

Property Details

APN / Parcel Number

Primary APN	`165-684-02-00`
Alternative APN	`1656834100`

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	4,148 sqft (0.95 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	1656834100
Street Address	2195 CASTILLA WAY
City	OCEANSIDE
State	CA
Zip	92056-3231
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD-2
Legal Description	LOT 41 TR 012027
Legal Subdivision	DEL ORO HILLS
Legal Tract	012027
Legal Block	3
Legal Lot Number	41
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3002
Census Tract	18515

Owner

2195 Castilla Way is owner-occupied and held in a trust since January 2025.

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

Owner of Record	2 Trust Names on File
Mailing Address	2195 CASTILLA WAY, OCEANSIDE, CA 92056-3231
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Sep 28, 2020	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP
Sep 19, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Jul 19, 2017	Reverse Mortgage, Transfer · FHA Mortgage HIGHTECHLENDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 24, 1993 · Amount on File
Deed Sale	Sep 24, 1993 · Amount on File
Prior Sale	Jul 24, 1989 · Amount on File
Deed Document Number	1993633740
Last Transfer Date	Jan 20, 2025
Transfer Doc	0000020712
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2195 CASTILLA WAY, OCEANSIDE, CA 92056-3231
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2195 CASTILLA WAY, OCEANSIDE, CA 92056-3231

Mortgage

Document Number	0000578671
Date	Sep 28, 2020
Instrument	2020-0578671

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	ORANGE, CA 92868

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	2.78%
Type Change Date	Oct 1, 2021
Change Frequency	Annually
Index	1-Year LIBOR

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2195 CASTILLA WAY, OCEANSIDE, CA 92056-3231
Document Number	0000578672
Instrument Date	Sep 19, 2020
Transaction Type	Mortgage
Record Updated	Oct 8, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2195 CASTILLA WAY RAMONA CA 92065, RAMONA, CA 92065

Mortgage

Document Number	0000578672
Date	Sep 28, 2020
Instrument	578672

Lender

Name	HUD-HOUSING/URBAN DEV
Address	2195 CASTILLA WAY, OCEANSIDE, CA 92056-3231

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	2.78%

July 2017: Reverse Mortgage, Transfer

Document Type	Reverse Mortgage
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 19, 2017
Property Address	2195 CASTILLA WAY, OCEANSIDE, CA 92056-3231
Document Number	0000325870
Instrument Date	May 23, 2017
Instrument	325870
Transaction Type	Transfer
Record Updated	Jul 25, 2017
Title Company	WFG NATIONAL TITLE COMPANY, WFG NAT'L TITLE CO

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2195 CASTILLA WAY OCEANSIDE CA 920563231, OCEANSIDE, CA 92056-3231

Mortgage

Document Number	325871
Date	Jul 19, 2017
Instrument	325871

Lender

Name	HIGHTECHLENDING
Address	IRVINE, CA 92614

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	4.25%

Mortgage

Document Number	325872,
Date	Jul 19, 2017
Instrument	325872

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	4.25%

Tax Assessment & Valuation

The 2025 property tax bill for 2195 Castilla Way was $3,691, up 1.8% from the year before.

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		$299,889 (+2%) Land $99,956 Building $199,933
2025	$3,691.00 (+1.76%)	$294,010 Land $97,997 Building $196,013
2024	$3,627.00 (+2.81%)
2023	$3,528.00 (+1.41%) Homeowner's exemption	$282,595 Land $94,193 Building $188,402
2022	$3,479.00

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

Flood

FEMA maps place 2195 Castilla Way in Zone X, an area of minimal flood risk.

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

Wildfire risk around 2195 Castilla Way is low, with less than a 0.01% annual chance of 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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