2197 Winchester St, Oceanside, CA 92054 Property Records

San Diego County property record for 2197 Winchester St, Oceanside, CA 92054

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,760 sqft · built 1973
Lot Size	0.179 acres (7,800 sqft)
Owner	Individual Name on Record
Last Sale	$630,000 (Feb 2019)
Tax Bill	$7,966 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Jan 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`148-312-14-00`

Property Details

APN / Parcel Number

Primary APN	`148-312-14-00`
Alternative APN	`1483105200`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,760 sqft Living Area

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Lot Area	7,800 sqft (0.179 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Old Parcel Number	1483105200
Street Address	2197 WINCHESTER ST
City	OCEANSIDE
State	CA
Zip	92054-3421
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 15 POR TR 000433
Legal Subdivision	MAXSON & GRIFFINS SUB
Legal Tract	000433
Legal Block	2
Legal Lot Number	15
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2000
Census Tract	18509

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	Individual Name on Record
Mailing Address	2197 WINCHESTER ST, OCEANSIDE, CA 92054-3421
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2022	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Jan 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Feb 26, 2019	Grant Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC
Aug 14, 2018	Grant Deed, Transfer CORINTHIAN TITLE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 26, 2019 · Amount on Record
Deed Sale	Feb 26, 2019 · Amount on Record
Prior Sale	Aug 14, 2018 · Amount on Record
Deed Document Number	201968809
Prior Transfer Date	Dec 26, 2013
Prior Transfer Doc	0000000398
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2197 WINCHESTER ST, OCEANSIDE, CA 92054-3421
Transaction Type	Mortgage
Record Updated	Mar 24, 2022
Title Company	AMROCK TITLE CALIFORNIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2197 WINCHESTER ST, OCEANSIDE, CA 92054-3421

Mortgage

Document Number	0000114730
Date	Mar 15, 2022
Instrument	2022-0114730

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	171 Months
Due	Jun 1, 2036

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2197 WINCHESTER ST, OCEANSIDE, CA 92054-3421
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003522
Date	Jan 6, 2020
Instrument	2020-0003522

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2035

February 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 26, 2019
Property Address	2197 WINCHESTER ST, OCEANSIDE, CA 92054-3421
Document Number	0000068809
Map Reference	MAP 433
Instrument Date	Jan 18, 2019
Instrument	2019-0068809
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2197 WINCHESTER ST, OCEANSIDE, CA 92054-3421

Mortgage

Document Number	0000068810
Date	Feb 26, 2019
Instrument	2019-0068810

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 14, 2018
Property Address	2197 WINCHESTER ST, OCEANSIDE, CA 92054-3421
Document Number	0000333730
Instrument Date	Jul 30, 2018
Instrument	333730
Transaction Type	Transfer
Record Updated	Aug 20, 2018
Title Company	CORINTHIAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$566.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	3525 DEL MAR HEIGHTS RD #974 SAN DIEGO CA 921302199, 974, SAN DIEGO, CA 92130-2199

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		$729,559 (+2%) Land $476,028 Building $253,531
2025	$7,966.00 (+5.22%) Homeowner's exemption	$715,255 (+4.04%) Land $466,695 Building $248,560
2023	$7,571.00 (+3.36%) Homeowner's exemption	$687,483 Land $448,574 Building $238,909
2022	$7,325.00

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

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	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 Fixed Wireless	100 / 20
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

May also be available: GeoLinks.

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