2202 Luz Way, Oceanside, CA 92056 Property Records

San Diego County property record for 2202 Luz Way, Oceanside, CA 92056

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,535 sqft · built 1990
Lot Size	0.11 acres (4,808 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,378 (2025)
Deeds & Mortgages	May 2020 Mortgage May 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`165-683-15-00`

Property Details

APN / Parcel Number

Primary APN	`165-683-15-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,535 sqft Living Area

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Lot Area	4,808 sqft (0.11 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	2202 LUZ WAY
City	OCEANSIDE
State	CA
Zip	92056-3283
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD-2
Legal Description	LOT 15 TR 012027
Legal Subdivision	DEL ORO HILLS
Legal Tract	012027
Legal Block	3
Legal Lot Number	15
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 July 28, 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	2202 LUZ WAY, OCEANSIDE, CA 92056-3283
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 11, 2020	Intrafamily Transfer, Transfer · VA Mortgage DATA MORTGAGE INC
May 31, 2017	Deed of Trust, Mortgage · VA Mortgage SYNERGY ONE LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 11, 2020
Deed Sale	May 11, 2020
Prior Sale	Jul 27, 2004 · Amount on Record
Deed Document Number	2020237472
Prior Transfer Date	May 4, 2020
Prior Transfer Doc	0000237472
Record Updated	Oct 29, 2026

May 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	May 11, 2020
Property Address	2202 LUZ WAY, OCEANSIDE, CA 92056-3283
Document Number	0000237472
Map Reference	MAP 12027
Instrument Date	May 4, 2020
Instrument	2020-0237472
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	CORINTHIAN TITLE

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	Joint Tenants
Address	2202 LUZ WAY, OCEANSIDE, CA 92056-3283

Mortgage

Document Number	0000237473
Date	May 11, 2020
Instrument	2020-0237473

Lender

Name	DATA MORTGAGE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2202 LUZ WAY, OCEANSIDE, CA 92056-3283
Document Number	0000255968
Instrument Date	May 31, 2017
Transaction Type	Mortgage
Record Updated	Jun 13, 2017
Title Company	WESTERN RESOURCES TITLE, WESTERN RSRCS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2202 LUZ WAY OCEANSIDE CA 920563283, OCEANSIDE, CA 92056-3283

Mortgage

Document Number	0000255968
Date	Jun 7, 2017
Instrument	255968

Lender

Name	SYNERGY ONE LNDG
Address	SAN DIEGO, CA 92108

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 6, 2047

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		$625,543 (+2%) Land $412,291 Building $213,252
2025	$5,378.00 (-22.28%)	$613,278 (+4.04%) Land $404,207 Building $209,071
2023	$6,920.00 (+1.47%) Homeowner's exemption	$589,465 Land $388,512 Building $200,953
2022	$6,820.00

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

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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