2206 Luz Way, Oceanside, CA 92056 Property Records

San Diego County property record for 2206 Luz Way, Oceanside, CA 92056

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,995 sqft · built 1989
Lot Size	0.109 acres (4,727 sqft)
Owner	Individual Name on Record
Last Sale	$875,500 (Oct 2025)
Tax Bill	$7,826 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Nov 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`165-683-14-00`

Property Details

APN / Parcel Number

Primary APN	`165-683-14-00`

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 1989
Effective Year Built	Effective 1989
Lot Area	4,727 sqft (0.109 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	2206 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 14 TR 012027
Legal Subdivision	DEL ORO HILLS
Legal Tract	012027
Legal Block	3
Legal Lot Number	14
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	Individual Name on Record
Mailing Address	2206 LUZ WAY, OCEANSIDE, CA 92056-3283
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2026	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Nov 16, 2022	Deed of Trust, Mortgage · Line of Credit FINANCIAL PARTNERS CU
Oct 14, 2025	Grant Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Sep 25, 2020	Grant Deed, Transfer · Conventional Mortgage FINANCIAL PARTNERS CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 14, 2025 · Amount on Record
Deed Sale	Oct 14, 2025 · Amount on Record
Prior Sale	Sep 25, 2020 · Amount on Record
Deed Document Number	2025286557
Prior Transfer Date	Nov 2, 1994
Prior Transfer Doc	0000704316
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2206 LUZ WAY, OCEANSIDE, CA 92056-3283
Transaction Type	Mortgage
Record Updated	Mar 17, 2026
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2206 LUZ WAY, OCEANSIDE, CA 92056-3283

Mortgage

Document Number	0000056898
Date	Mar 2, 2026
Instrument	2026-0056898

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	CLEVELAND, OH 44114

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2206 LUZ WAY, OCEANSIDE, CA 92056-3283
Transaction Type	Mortgage
Record Updated	Oct 28, 2025
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2206 LUZ WAY, OCEANSIDE, CA 92056-3283

Mortgage

Document Number	0000438303
Date	Nov 16, 2022
Instrument	2022-0438303

Lender

Name	FINANCIAL PARTNERS CU
Type	Credit Union
Address	DOWNEY, CA 90242

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Nov 15, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 14, 2025
Property Address	2206 LUZ WAY, OCEANSIDE, CA 92056-3283
Document Number	0000286557
Map Reference	MAP 12027
Instrument Date	Oct 6, 2025
Instrument	2025-0286557
Transaction Type	Transfer
Record Updated	Oct 28, 2025
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2206 LUZ WAY, OCEANSIDE, CA 92056-3283

Mortgage

Document Number	0000286558
Date	Oct 14, 2025
Instrument	2025-0286558

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 25, 2020
Property Address	2206 LUZ WAY, OCEANSIDE, CA 92056-3283
Document Number	0000568879
Map Reference	MAP 12027
Instrument Date	Aug 23, 2020
Instrument	2020-0568879
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIDELITY NATL TTL SAN DIEGO

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	2206 LUZ WAY, OCEANSIDE, CA 92056-3283

Mortgage

Document Number	0000568880
Date	Sep 25, 2020
Instrument	2020-0568880

Lender

Name	FINANCIAL PARTNERS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

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		$875,500 (+33.25%) Land $490,397 Building $385,103
2025	$7,826.00 (+2.88%)	$657,033 (+4.04%) Land $368,026 Building $289,007
2024	$7,607.00 (+3.01%)
2023	$7,385.00 (+1.47%) Homeowner's exemption	$631,522 Land $353,736 Building $277,786
2022	$7,278.00

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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