2218 Saratoga St, Oceanside, CA 92054 Property Records

San Diego County property record for 2218 Saratoga St, Oceanside, CA 92054

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,770 sqft · built 2004
Lot Size	0.25 acres (10,900 sqft)
Owner	2 Individual Names on Record
Last Sale	$657,000 (Aug 2018)
Tax Bill	$8,163 (2025)
Deeds & Mortgages	Mar 2021 Mortgage May 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`148-320-45-00`

Property Details

APN / Parcel Number

Primary APN	`148-320-45-00`
Alternative APN	`1483201700`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,770 sqft Living Area

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Lot Area	10,900 sqft (0.25 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Old Parcel Number	1483201700
Street Address	2218 SARATOGA ST
City	OCEANSIDE
State	CA
Zip	92054-3540
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 2 (EX RD)DOCS66-104552&72-333359 IN TR 000433
Legal Subdivision	MAXSON & GRIFFINS SUB
Legal Tract	000433
Legal Block	2
Legal Lot Number	2
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 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	2218 SARATOGA ST, OCEANSIDE, CA 92054-3540
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 24, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 27, 2018	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 27, 2018 · Amount on Record
Deed Sale	Aug 27, 2018 · Amount on Record
Prior Sale	Mar 3, 2003 · Amount on Record
Deed Document Number	2018351704
Last Transfer Date	Mar 19, 2021
Transfer Doc	0000230768
Record Updated	Sep 20, 2026

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 24, 2021
Property Address	2218 SARATOGA ST, OCEANSIDE, CA 92054-3540
Document Number	0000230768
Map Reference	MAP 433
Instrument Date	Mar 19, 2021
Instrument	2021-0230768
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

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	2218 SARATOGA ST, OCEANSIDE, CA 92054-3540

Mortgage

Document Number	0000230769
Date	Mar 24, 2021
Instrument	2021-0230769

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2218 SARATOGA ST, OCEANSIDE, CA 92054-3540
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000199067
Date	May 24, 2019
Instrument	2019-0199067

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

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

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 27, 2018
Property Address	2218 SARATOGA ST, OCEANSIDE, CA 92054-3540
Document Number	0000351704
Map Reference	MAP 433
Instrument Date	Jul 30, 2018
Instrument	2018-0351704
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	LAWYERS TITLE

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	Joint Tenants
Address	322 FOWLES ST, OCEANSIDE, CA 92054-4523

Mortgage

Document Number	0000351705
Date	Aug 27, 2018
Instrument	2018-0351705

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 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		$747,545 (+2%) Land $227,722 Building $519,823
2025	$8,163.00 (+5.22%) Homeowner's exemption	$732,888 (+4.04%) Land $223,257 Building $509,631
2023	$7,758.00 (+1.54%) Homeowner's exemption	$704,432 Land $214,589 Building $489,843
2022	$7,640.00

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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