San Diego County property record for 2198 Luz Way, Oceanside, CA 92056
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,535 sqft · built 1989 |
| Lot Size | 0.173 acres (7,549 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $349,000 (Mar 2010) |
| Tax Bill | $5,518 (2025) |
| Deeds & Mortgages | Sep 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 165-683-16-00 |
| Primary APN | 165-683-16-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,535 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Conventional |
| Lot Area | 7,549 sqft (0.173 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 2198 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 16 TR 012027 |
| Legal Subdivision | DEL ORO HILLS |
| Legal Tract | 012027 |
| Legal Block | 3 |
| Legal Lot Number | 16 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | OCEANSIDE-ESCONDIDO |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 18515 |
Source: San Diego County records, as of July 21, 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 | 2198 LUZ WAY, OCEANSIDE, CA 92056-3233 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 23, 2010 · Amount on Record |
| Deed Sale | Mar 23, 2010 · Amount on Record |
| Prior Sale | Sep 5, 2000 · Amount on Record |
| Deed Document Number | 2010142409 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 2198 LUZ WAY, OCEANSIDE, CA 92056-3233 |
| Document Number | 0000422153 |
| Instrument Date | Sep 16, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 3, 2019 |
| Title Company | TITLE 365 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2198 LUZ WAY OCEANSIDE CA 920563233, OCEANSIDE, CA 92056-3233 |
| Document Number | 0000422153 |
|---|---|
| Date | Sep 25, 2019 |
| Instrument | 422153 |
| Name | PENNYMAC |
|---|---|
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 24, 2049 |
Source: San Diego County assessment roll, as of July 21, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Municipality | Oceanside City |
| Unified School District | Oceanside Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $459,488 (+2%) Land $160,655 Building $298,833 | |
| 2025 | $5,518.00 (+4.77%) | $450,479 (+4.04%) Land $157,505 Building $292,974 |
| 2023 | $5,267.00 (+1.41%) | $432,989 Land $151,390 Building $281,599 |
| 2022 | $5,194.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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.
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.
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 |
| 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.
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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures