228 McKinley St, Oceanside, CA 92057 Property Records

San Diego County property record for 228 McKinley St, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,525 sqft · built 1981
Lot Size	0.318 acres (13,865 sqft)
Owner	2 Individual Names on File
Last Sale	$955,000 (Jul 2022)
Tax Bill	$11,196 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`157-472-02-00`

Property Details

APN / Parcel Number

Primary APN	`157-472-02-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,525 sqft Living Area

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Lot Area	13,865 sqft (0.318 acres)
Lot Dimensions	90 ft deep x 170 ft wide
View / Lot	River
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	228 MCKINLEY ST
City	OCEANSIDE
State	CA
Zip	92057-4417
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RE-B-SP
Legal Description	LOT 23 TR 009172
Legal Subdivision	VISTA DE GUAJOME
Legal Tract	009172
Legal Block	1
Legal Lot Number	23
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1017
Census Tract	18612

Owner

228 McKinley St is owned and occupied by two individuals who bought it in July 2022.

Source: San Diego County records, as of July 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	228 MCKINLEY ST, OCEANSIDE, CA 92057-4417
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 16, 2026	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED AMERICAN MORTGAGE CORP
Jul 28, 2022	Grant Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2022 · Amount on File
Deed Sale	Jul 28, 2022 · Amount on File
Prior Sale	Aug 25, 2010 · Amount on File
Deed Document Number	2022309147
Prior Transfer Date	Aug 19, 2010
Prior Transfer Doc	0000441270
Record Updated	Oct 29, 2026

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 16, 2026
Property Address	228 MCKINLEY ST, OCEANSIDE, CA 92057-4417
Document Number	0000013801
Map Reference	MAP 9172
Instrument Date	Dec 10, 2025
Instrument	2026-0013801
Transaction Type	Transfer
Record Updated	Jan 28, 2026
Title Company	ATLANTIS TITLE COMPANY, ATLAS 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	228 MCKINLEY ST, OCEANSIDE, CA 92057-4417

Mortgage

Document Number	0000013802
Date	Jan 16, 2026
Instrument	2026-0013802

Lender

Name	UNITED AMERICAN MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Feb 1, 2033
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.5%
Index	SOFR Average 30-Day
Margin	3
Max Rate	10.5%

July 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 28, 2022
Property Address	228 MCKINLEY ST, OCEANSIDE, CA 92057-4417
Document Number	0000309147
Map Reference	MAP 9172
Instrument Date	Jul 5, 2022
Instrument	2022-0309147
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
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	Tenants in Common
Address	228 MCKINLEY ST, OCEANSIDE, CA 92057-4417

Mortgage

Document Number	0000309148
Date	Jul 28, 2022
Instrument	2022-0309148

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 228 McKinley St was $11,196.

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	Vista Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,013,452 (+2%) Land $576,763 Building $436,689
2025	$11,196.00 Homeowner's exemption	$993,581 Land $565,454 Building $428,127
2023	$9,988.00 (+101.74%) Homeowner's exemption	$926,000 Land $526,000 Building $400,000
2022	$4,951.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 228 McKinley St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	2 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

Wildfire risk around 228 McKinley St is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	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	CITY OF OCEANSIDE serves 174,340 people · EPA ID CA3710014
Water Source	Purchased surface water from several systems
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 505 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
San Diego Broadband Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

May also be available: T-Mobile.

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