2541 Rudder Rd, Oceanside, CA 92054 Property Records

San Diego County property record for 2541 Rudder Rd, Oceanside, CA 92054

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,962 sqft · built 1989
Lot Size	0.348 acres (15,168 sqft)
Owner	Company Name on File
Last Sale	$206,500 (Jun 1996)
Tax Bill	$5,891 (2025)
Deeds & Mortgages	Apr 2023 Line of Credit Aug 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`165-231-38-00`

Property Details

APN / Parcel Number

Primary APN	`165-231-38-00`
Alternative APN	`1652302800`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Building Area	2,962 sqft Living Area

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Lot Area	15,168 sqft (0.348 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	1652302800
Street Address	2541 RUDDER RD
City	OCEANSIDE
State	CA
Zip	92054-6163
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-A
Legal Description	PAR 3 TR PM12030
Legal Subdivision	CITY OF OCEANSIDE
Legal Tract	12030
Legal Block	5
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	5
Census Block	5000
Census Tract	18504

Owner

2541 Rudder Rd is owned by a company that acquired it in September 1997 and is owner-occupied.

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

Owner of Record	Company Name on File
Mailing Address	2541 RUDDER RD, OCEANSIDE, CA 92054-6163
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

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
Apr 18, 2023	Deed of Trust, Mortgage · Line of Credit ZB NA
Aug 10, 2022	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jul 13, 2018	Quit Claim Deed, Transfer Quitclaim
May 30, 2018	Intrafamily Transfer, Transfer · ARM IBM SOUTHEAST EMPLOYEES FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 7, 1996 · Amount on File
Deed Sale	Jun 7, 1996 · Amount on File
Prior Sale	Dec 28, 1995 · Amount on File
Deed Document Number	1996287085
Last Transfer Date	Sep 25, 1997
Transfer Doc	0000493001
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2541 RUDDER RD, OCEANSIDE, CA 92054-6163
Transaction Type	Mortgage
Record Updated	Apr 27, 2023
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2541 RUDDER RD, OCEANSIDE, CA 92054-6163

Mortgage

Document Number	0000100752
Date	Apr 18, 2023
Instrument	2023-0100752

Lender

Name	ZB NA
Type	Bank
Address	SAN DIEGO, CA 92130

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2541 RUDDER RD, OCEANSIDE, CA 92054-6163
Transaction Type	Mortgage
Record Updated	Aug 17, 2022
Title Company	RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2541 RUDDER RD, OCEANSIDE, CA 92054-6163

Mortgage

Document Number	0000323632
Date	Aug 10, 2022
Instrument	2022-0323632

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 2, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 13, 2018
Property Address	2541 RUDDER RD, OCEANSIDE, CA 92054-6163
Document Number	0000286324
Instrument Date	Jun 5, 2018
Instrument	286324
Transaction Type	Transfer
Record Updated	Aug 3, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	2541 RUDDER RD OCEANSIDE CA 920546163, OCEANSIDE, CA 92054-6163

May 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	May 30, 2018
Property Address	2541 RUDDER RD, OCEANSIDE, CA 92054-6163
Document Number	0000217037
Map Reference	DOC82-087962
Instrument Date	May 3, 2018
Instrument	2018-0217037
Transaction Type	Transfer
Record Updated	Jul 25, 2022
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	2541 RUDDER RD, OCEANSIDE, CA 92054-6163

Mortgage

Document Number	0000217038
Date	May 30, 2018
Instrument	2018-0217038

Lender

Name	IBM SOUTHEAST EMPLOYEES FCU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	Jun 1, 2028
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	9.12%
Index	1-Year CMT
Max Rate	9.12%

Tax Assessment & Valuation

The 2025 property tax bill for 2541 Rudder Rd was $5,891 with a homeowner's exemption.

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		$540,080 (+2%) Land $172,633 Building $367,447
2025	$5,891.00 Homeowner's exemption	$529,492 Land $169,249 Building $360,243
2023	$5,597.00 (+1.56%) Homeowner's exemption	$508,933 Land $162,678 Building $346,255
2022	$5,511.00

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

Flood

FEMA maps place 2541 Rudder Rd in Zone X, an area of minimal flood risk.

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	7 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 2541 Rudder Rd is low, with less than 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 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	Pechanga tribal government · serves 29,100 people · EPA ID 090605013
Water Source	Purchased surface water from RANCHO CALIFORNIA WATER DISTRICT
Last State Inspection	Sep 2024
Also Mapped Here	SAN DIEGO COUNTY WATER AUTHORITY, CITY OF OCEANSIDE
Lead	1 ppb (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	2 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 249 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: GeoLinks.

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