2408 Saratoga St, Oceanside, CA 92054 Property Records

San Diego County property record for 2408 Saratoga St, Oceanside, CA 92054

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,655 sqft · built 1977
Lot Size	0.248 acres (10,800 sqft)
Owner	Company on Record
Last Sale	$635,000 (Jun 2018)
Tax Bill	$6,414 (2025)
Deeds & Mortgages	Nov 2020 Transfer Jun 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`148-312-03-00`

Property Details

APN / Parcel Number

Primary APN	`148-312-03-00`
Alternative APN	`1483102500`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,655 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Gravel
Lot Area	10,800 sqft (0.248 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

Old Parcel Number	1483102500
Street Address	2408 SARATOGA ST
City	OCEANSIDE
State	CA
Zip	92054-3544
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 16 /EXC HWY OP/ & /EXC W 162.50 FT/ S 66.67 FT OF N 200 FT OF TR 000433
Legal Subdivision	MAXSON & GRIFFINS SUB
Legal Tract	000433
Legal Block	2
Legal Lot Number	16
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2000
Census Tract	18509

Owner

Source: San Diego County assessment roll, 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	Company on Record
Mailing Address	2408 SARATOGA ST, OCEANSIDE, CA 92054-3544
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Jun 25, 2020	Deed of Trust, Mortgage · FHA Mortgage FEDERAL HSNG COMMISSIONER
Jun 25, 2020	Deed of Trust, Mortgage · FHA Mortgage AMERICAN ADVISORS
Jun 28, 2018	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 21, 2018	Grant Deed, Construction Loan · Construction Mortgage LENDINGHOME FUNDING CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 28, 2018 · Amount on Record
Deed Sale	Jun 28, 2018 · Amount on Record
Prior Sale	Feb 21, 2018 · Amount on Record
Deed Document Number	2018265220
Last Transfer Date	Oct 30, 2020
Transfer Doc	0000713284
Record Updated	Sep 20, 2026

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 13, 2020
Property Address	2408 SARATOGA ST, OCEANSIDE, CA 92054-3544
Document Number	0000713284
Instrument Date	Oct 30, 2020
Instrument	713284
Transaction Type	Transfer
Record Updated	Nov 23, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2408 SARATOGA ST OCEANSIDE CA 920543544, OCEANSIDE, CA 92054-3544

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2408 SARATOGA ST, OCEANSIDE, CA 92054-3544
Document Number	0000473008
Instrument Date	Jun 25, 2020
Transaction Type	Mortgage
Record Updated	Sep 1, 2020
Title Company	PACIFIC COAST TITLE COMPANY, PACIFIC COAST TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2408 SARATOGA ST OCEANSIDE CA 920543544, OCEANSIDE, CA 92054-3544

Mortgage

Document Number	0000473008
Date	Aug 21, 2020
Instrument	473008

Lender

Name	FEDERAL HSNG COMMISSIONER
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	2.53%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2408 SARATOGA ST, OCEANSIDE, CA 92054-3544
Document Number	0000473009
Instrument Date	Jun 25, 2020
Transaction Type	Mortgage
Record Updated	Sep 1, 2020
Title Company	PACIFIC COAST TITLE COMPANY, PACIFIC COAST TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2408 SARATOGA ST OCEANSIDE CA 920543544, OCEANSIDE, CA 92054-3544

Mortgage

Document Number	0000473009
Date	Aug 21, 2020
Instrument	473009

Lender

Name	AMERICAN ADVISORS
Address	3800 W CHAPMAN AVE # 6TH, ORANGE, CA 92868-1638

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	2.53%

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 28, 2018
Property Address	2408 SARATOGA ST, OCEANSIDE, CA 92054-3544
Document Number	0000265220
Map Reference	MAP 433
Instrument Date	Jun 6, 2018
Instrument	2018-0265220
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	STEWART TITLE OF CA

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	2408 SARATOGA ST, OCEANSIDE, CA 92054-3544

Mortgage

Document Number	0000265221
Date	Jun 28, 2018
Instrument	2018-0265221

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

February 2018: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 21, 2018
Property Address	2408 SARATOGA ST, OCEANSIDE, CA 92054-3544
Document Number	0000067607
Map Reference	MAP 433
Instrument Date	Nov 17, 2017
Instrument	2018-0067607
Transaction Type	Construction Loan
Record Updated	Jul 25, 2022
Title Company	WESTERN RESOURCES TITLE COMP

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9660 GRANITE RIDGE DR # 210, 210, SAN DIEGO, CA 92123-2688
Investor	Possibly a Property Investor

Mortgage

Document Number	0000067608
Date	Feb 21, 2018
Instrument	2018-0067608

Lender

Name	LENDINGHOME FUNDING CORP
Type	Funding / Finance Company

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

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		$587,881 (+2%) Land $440,796 Building $147,085
2025	$6,414.00 (+5.23%) Homeowner's exemption	$576,354 (+4.04%) Land $432,153 Building $144,201
2023	$6,095.00 (+1.55%) Homeowner's exemption	$553,975 (+2%) Land $415,373 Building $138,602
2022	$6,002.00 Homeowner's exemption	$543,114 Land $407,229 Building $135,885

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 452 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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