2544 Rudder Rd, Oceanside, CA 92054 Property Records

San Diego County property record for 2544 Rudder Rd, Oceanside, CA 92054

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,342 sqft · built 1982
Lot Size	0.263 acres (11,470 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,395,000 (Jun 2021)
Tax Bill	$17,875 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Jun 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`165-231-42-00`

Property Details

APN / Parcel Number

Primary APN	`165-231-42-00`
Alternative APN	`1652313600`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,342 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Roof Material	Wood Shingle
Lot Area	11,470 sqft (0.263 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport

Utilities, Heating & Cooling

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

Location & Zoning

Old Parcel Number	1652313600
Street Address	2544 RUDDER RD
City	OCEANSIDE
State	CA
Zip	92054-6162
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-B
Legal Description	BLK D LOT 4 PAR 1&DOC83-257876 IN PAR 2 PER PM 12030 IN TR 001888
Legal Subdivision	NORTH CARLSBAD
Legal Tract	001888
Legal Block	D
Legal Lot Number	4
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	5
Census Block	5000
Census Tract	18504

Owner

Source: San Diego County records, as of July 28, 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	2544 RUDDER RD, 1, OCEANSIDE, CA 92054-6162
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jul 5, 2022	Deed of Trust, Mortgage · Line of Credit SCHOOLSFIRST FCU
Jun 11, 2021	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 9, 2018	Quit Claim Deed, Transfer Quitclaim
Sep 14, 2018	Quit Claim Deed, Transfer Quitclaim
May 10, 2018	Affidavit of Death, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 11, 2021 · Amount on Record
Deed Sale	Jun 11, 2021 · Amount on Record
Prior Sale	Jan 17, 1990 · Amount on Record
Deed Document Number	2021433601
Prior Transfer Date	Nov 7, 2018
Prior Transfer Doc	0000468691
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2544 RUDDER RD, OCEANSIDE, CA 92054-6162
Transaction Type	Mortgage
Record Updated	Dec 26, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2544 RUDDER RD, OCEANSIDE, CA 92054-6162

Mortgage

Document Number	0000272873
Date	Jul 5, 2022
Instrument	2022-0272873

Lender

Name	SCHOOLSFIRST FCU
Type	Credit Union
Address	TUSTIN, CA 92780

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 11, 2021
Property Address	2544 RUDDER RD, OCEANSIDE, CA 92054-6162
Document Number	0000433601
Map Reference	PG 12030
Instrument Date	May 14, 2021
Instrument	2021-0433601
Transaction Type	Transfer
Record Updated	Dec 26, 2023
Title Company	TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH

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	Community Property with Right of Survivorship
Address	2544 RUDDER RD, OCEANSIDE, CA 92054-6162

Mortgage

Document Number	0000433602
Date	Jun 11, 2021
Instrument	2021-0433602

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 9, 2018
Property Address	2544 RUDDER RD, OCEANSIDE, CA 92054-6162
Document Number	0000468691
Instrument Date	Nov 7, 2018
Instrument	468691
Transaction Type	Transfer
Record Updated	Nov 16, 2018

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	2544 RUDDER RD OCEANSIDE CA 920546162, OCEANSIDE, CA 92054-6162

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 14, 2018
Property Address	2544 RUDDER RD, OCEANSIDE, CA 92054-6162
Document Number	0000383998
Instrument Date	Sep 14, 2018
Instrument	383998
Transaction Type	Transfer
Record Updated	Sep 24, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2544 RUDDER RD OCEANSIDE CA 920546162, OCEANSIDE, CA 92054-6162

May 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN DIEGO CA
Recording Date	May 10, 2018
Property Address	2544 RUDDER RD, OCEANSIDE, CA 92054-6162
Document Number	0000188560
Instrument Date	Apr 9, 2018
Instrument	188560
Transaction Type	Transfer
Record Updated	May 18, 2018

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2544 RUDDER RD OCEANSIDE CA 920546162, OCEANSIDE, CA 92054-6162

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		$1,632,514 (+2%) Land $1,004,712 Building $627,802
2025	$17,875.00 (+5.19%) Homeowner's exemption	$1,600,505 (+4.04%) Land $985,012 Building $615,493
2023	$16,993.00 (+7.74%) Homeowner's exemption	$1,538,358 Land $946,764 Building $591,594
2022	$15,772.00

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	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

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.

Nearby Properties on Rudder Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures