2821 Annette St, Oceanside, CA 92056 Property Records

San Diego County property record for 2821 Annette St, Oceanside, CA 92056

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 969 sqft · built 1962
Lot Size	0.2 acres (8,700 sqft)
Owner	2 Individual Names on File
Last Sale	$427,000 (Aug 2018)
Tax Bill	$5,432 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Dec 2025 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`166-226-04-00`

Property Details

APN / Parcel Number

Primary APN	`166-226-04-00`
Alternative APN	`1662020400`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	969 sqft Living Area

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Lot Area	8,700 sqft (0.2 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Old Parcel Number	1662020400
Street Address	2821 ANNETTE ST
City	OCEANSIDE
State	CA
Zip	92056-4211
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 145 TR 004693
Legal Subdivision	LYNWOOD KNOLLS
Legal Tract	004693
Legal Block	2
Legal Lot Number	145
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2002
Census Tract	18519

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 Record	2 Individual Names on File
Mailing Address	2821 ANNETTE ST, OCEANSIDE, CA 92056-4211
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2026	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
Dec 11, 2025	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Jul 12, 2021	Deed of Trust, Mortgage · FHA Mortgage SUMMIT FUNDING INC
Dec 18, 2019	Deed of Trust, Mortgage · FHA Mortgage SUMMIT FUNDING INC
Aug 31, 2018	Grant Deed, Transfer · FHA Mortgage SUMMIT FUNDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2018 · Amount on File
Deed Sale	Aug 31, 2018 · Amount on File
Prior Sale	Apr 3, 2013 · Amount on File
Deed Document Number	2018362753
Prior Transfer Date	Mar 1, 1996
Prior Transfer Doc	0000118882
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 1, 2026
Property Address	2821 ANNETTE ST, OCEANSIDE, CA 92056-4211
Document Number	0000088725
Instrument Date	Mar 24, 2026
Instrument	202688725
Transaction Type	Mortgage
Record Updated	Jul 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	2821 ANNETTE ST, OCEANSIDE, CA 92056-4211

Mortgage

Document Number	0000088725,
Date	Apr 1, 2026
Instrument	202688725

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2821 ANNETTE ST, OCEANSIDE, CA 92056-4211
Transaction Type	Mortgage
Record Updated	Dec 26, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2821 ANNETTE ST, OCEANSIDE, CA 92056-4211

Mortgage

Document Number	0000349553
Date	Dec 11, 2025
Instrument	2025-0349553

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 10, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2821 ANNETTE ST, OCEANSIDE, CA 92056-4211
Transaction Type	Mortgage
Record Updated	Jul 21, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2821 ANNETTE ST, OCEANSIDE, CA 92056-4211

Mortgage

Document Number	0000497002
Date	Jul 12, 2021
Instrument	2021-0497002

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company
Address	SACRAMENTO, CA 95815

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2821 ANNETTE ST, OCEANSIDE, CA 92056-4211
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NORTH AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000593515
Date	Dec 18, 2019
Instrument	2019-0593515

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company
Address	SACRAMENTO, CA 95815

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 31, 2018
Property Address	2821 ANNETTE ST, OCEANSIDE, CA 92056-4211
Document Number	0000362753
Map Reference	MAP 4693
Instrument Date	Aug 18, 2018
Instrument	2018-0362753
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
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	2821 ANNETTE ST, OCEANSIDE, CA 92056-4211

Mortgage

Document Number	0000362754
Date	Aug 31, 2018
Instrument	2018-0362754

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2048

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	Vista Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$485,845 (+2%) Land $369,850 Building $115,995
2025	$5,432.00 (+6.03%)	$476,320 (+4.04%) Land $362,599 Building $113,721
2024	$5,123.00 (+2.46%)
2023	$5,000.00 (+0.24%)	$457,826 Land $348,520 Building $109,306
2022	$4,988.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	CITY OF OCEANSIDE serves 174,340 people · EPA ID CA3710014
Water Source	Purchased surface water from several systems
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 734 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
FiberFirst Fiber	5,000 / 5,000
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: GeoLinks, T-Mobile.

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