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2820 Macdonald St, Oceanside, CA 92054 Property Records

San Diego County property record for 2820 Macdonald St, Oceanside, CA 92054

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 1,024 sqft · built 1961
Lot Size0.193 acres (8,400 sqft)
Owner2 Individual Names on File
Last Sale$905,000 (Feb 2026)
Tax Bill$5,590 (2025)
Deeds & MortgagesFeb 2021 Mortgage
Jun 2021 Line of Credit
+ 1 more
Flood ZoneZone X (minimal risk)
APN149-064-08-00

Property Details

APN / Parcel Number

Primary APN149-064-08-00

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms5 Rooms
Building Area1,024 sqft Living Area

Exterior

Year BuiltBuilt 1961
Effective Year BuiltEffective 1961
Lot Area8,400 sqft (0.193 acres)
View / LotGood
Garage TypeCarport
CarportCarport
Parking Spaces1 Parking Space

Location & Zoning

Street Address2820 MACDONALD ST
CityOCEANSIDE
StateCA
Zip92054-4532
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRE-B
Legal DescriptionSEC 24-11-5W SE 1/4 OF POR NE 1/4 OF
Legal Range05W
Legal Township11
Legal Section24
Legal SubdivisionBUTLER GROVES & GLEICHNER ADD
Legal Block1
JurisdictionSAN DIEGO CA
Township / Civil DivisionOCEANSIDE-ESCONDIDO
Census Block Group1
Census Block1000
Census Tract18511

Owner

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

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

Owner of Record2 Individual Names on File
Mailing Address2820 MACDONALD ST, OCEANSIDE, CA 92054-4532
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Feb 9, 2021Deed of Trust, Mortgage · Conventional Mortgage
CARDINAL FINANCIAL COMPANY LP
Jun 14, 2021Deed of Trust, Mortgage · Line of Credit
MY POINT CU SD
Feb 6, 2026Grant Deed, Transfer · Conventional Mortgage
FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 6, 2026 · Amount on File
Deed SaleFeb 6, 2026 · Amount on File
Prior SaleJun 5, 2014 · Amount on File
Deed Document Number202634227
Prior Transfer DateFeb 27, 2014
Prior Transfer Doc0000081605
Record UpdatedOct 29, 2026

February 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address2820 MACDONALD ST, OCEANSIDE, CA 92054-4532
Transaction TypeMortgage
Record UpdatedFeb 16, 2026
Title CompanyWFT NATIONAL TITLE, WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address2820 MACDONALD ST, OCEANSIDE, CA 92054-4532

Mortgage

Document Number0000102380
DateFeb 9, 2021
Instrument2021-0102380
Lender
NameCARDINAL FINANCIAL COMPANY LP
TypeMortgage Company
AddressCHARLOTTE, NC 28273
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term301 Months
DueMar 1, 2046

June 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address2820 MACDONALD ST, OCEANSIDE, CA 92054-4532
Transaction TypeMortgage
Record UpdatedFeb 16, 2026
Title CompanyLAWYERS TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address2820 MACDONALD ST, OCEANSIDE, CA 92054-4532

Mortgage

Document Number0000433835
DateJun 14, 2021
Instrument2021-0433835
Lender
NameMY POINT CU SD
TypeCredit Union
AddressSAN DIEGO, CA 92123
Agreement
TypeLine of Credit
AmountAmount on Record
Term300 Months
DueJun 14, 2046
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

February 2026: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSAN DIEGO CA
Recording DateFeb 6, 2026
Property Address2820 MACDONALD ST, OCEANSIDE, CA 92054-4532
Document Number0000034227
Instrument DateJan 23, 2026
Instrument2026-0034227
Transaction TypeTransfer
Record UpdatedFeb 16, 2026
Title CompanyLAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address2820 MACDONALD ST, OCEANSIDE, CA 92054-4532

Mortgage

Document Number0000034228
DateFeb 6, 2026
Instrument2026-0034228
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueMar 1, 2056
Interest
Rate TypeAdjustable Rate
Rate5.37%
Type Change DateMar 1, 2033
Change Frequency6 Months
Min Rate At Change2.75%
Max Rate At Change10.3%
IndexSOFR Average 30-Day
Max Rate10.3%

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 28, 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySan Diego County
MunicipalityOceanside City
Unified School DistrictOceanside Unified School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed Value
2026$512,645 (+2%) Land $375,109 Building $137,536
2025$5,590.00 (+5.23%) Homeowner's exemption$502,594 (+4.04%) Land $367,754 Building $134,840
2023$5,312.00 (+1.57%) Homeowner's exemption$483,080 Land $353,475 Building $129,605
2022$5,230.00

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies2 in force
Nearby Flood Claims1 (1998)
Claims Outside the SFHA1 of 1
Most Recent ClaimMar 1998 · Severe Winter Storms And Flooding

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 RiskNot 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 SystemArviso - Mobile Home Park
private · serves 70 people · EPA ID 090605121
Water SourceGroundwater
Last State InspectionFeb 2026
Also Mapped HereSAN DIEGO COUNTY WATER AUTHORITY, CITY OF OCEANSIDE
LeadBelow detection (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureColiform assessment
Dec 2019
Monitoring and Reporting26
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

ProviderMax 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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