2365 Carriage Cir, Oceanside, CA 92056 Property Records

San Diego County property record for 2365 Carriage Cir, Oceanside, CA 92056

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,475 sqft · built 1980
Lot Size	0.402 acres (17,531 sqft)
Owner	2 Company Names on Record
Tax Bill	$2,869 (2025)
Deeds & Mortgages	Jun 2026 Transfer Apr 2022 Reverse Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`165-562-46-00`

Property Details

APN / Parcel Number

Primary APN	`165-562-46-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,475 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	17,531 sqft (0.402 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	2365 CARRIAGE CIR
City	OCEANSIDE
State	CA
Zip	92056-3605
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RE-B
Legal Description	LOT 48 TR 008670
Legal Subdivision	CARRIAGE SQUARE ESTATES
Legal Tract	008670
Legal Block	3
Legal Lot Number	48
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 August 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	2365 CARRIAGE CIR, OCEANSIDE, CA 92056-3605
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2026	Affidavit of Death of Trustee, Transfer
Apr 26, 2022	Deed of Trust, Mortgage · Reverse Mortgage COMMISSIONER OF HOUSING AND URBAN DEVELO
Apr 26, 2022	Intrafamily Transfer, Transfer · Reverse Mortgage REVERSE MORTGAGE FUNDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Mar 17, 2022
Transfer Doc	0000180264
Record Updated	Oct 29, 2026

June 2026: Affidavit of Death of Trustee, Transfer

Document Type	Affidavit of Death of Trustee
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 3, 2026
Property Address	2365 CARRIAGE CIR, OCEANSIDE, CA 92056-3605
Document Number	0000159144
Instrument Date	May 27, 2026
Instrument	2026159144
Transaction Type	Transfer
Record Updated	Aug 29, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	2365 CARRIAGE CIR, OCEANSIDE, CA 92056-3605

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2365 CARRIAGE CIR, OCEANSIDE, CA 92056-3605
Transaction Type	Mortgage
Record Updated	May 4, 2022
Title Company	FNC TITLE OF CALIFORNIA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2365 CARRIAGE CIR, OCEANSIDE, CA 92056-3605

Mortgage

Document Number	0000180266
Date	Apr 26, 2022
Instrument	2022-0180266

Lender

Name	COMMISSIONER OF HOUSING AND URBAN DEVELO
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	894 Months
Due	Oct 9, 2096

Interest

Rate Type	Adjustable Rate
Rate	2.77%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2022
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	7.77%

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 26, 2022
Property Address	2365 CARRIAGE CIR, OCEANSIDE, CA 92056-3605
Document Number	0000180264
Map Reference	MAP 8670
Instrument Date	Mar 17, 2022
Instrument	2022-0180264
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	FNC TITLE OF CALIFORNIA

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	Family Trust
Address	2365 CARRIAGE CIR, OCEANSIDE, CA 92056-3605

Mortgage

Document Number	0000180265
Date	Apr 26, 2022
Instrument	2022-0180265

Lender

Name	REVERSE MORTGAGE FUNDING LLC
Type	Reverse Mortgage Lender
Address	BLOOMFIELD, NJ 07003

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	894 Months
Due	Oct 9, 2096

Interest

Rate Type	Adjustable Rate
Rate	2.77%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2022
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	7.77%

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		$264,272 (+2%) Land $69,678 Building $194,594
2025	$2,869.00 (+2.03%) Homeowner's exemption	$259,091 (+4.04%) Land $68,312 Building $190,779
2024	$2,812.00 (+3.23%)
2023	$2,724.00 (+1.57%) Homeowner's exemption	$249,032 Land $65,660 Building $183,372
2022	$2,682.00

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 94% of the US · lower than 96% of California
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 233 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: GeoLinks, Verizon.

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