285 Reef Point Way, Unit 3, Oceanside, CA 92058 Property Records

San Diego County property record for 285 Reef Point Way, Unit 3, Oceanside, CA 92058

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 1,410 sqft · built 2006
Lot Size	5.41 acres (235,809 sqft)
Owner	2 Individual Names on Record
Last Sale	$400,000 (Mar 2019)
Tax Bill	$4,942 (2025)
Deeds & Mortgages	Jun 2023 Second Mortgage Jan 2021 Mortgage + 4 more
Flood Zone	Zone A99 (high risk)
APN	`158-051-19-13`

Property Details

APN / Parcel Number

Primary APN	`158-051-19-13`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,410 sqft Living Area

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Condo/Apartment
Lot Area	235,809 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	285 REEF POINT WAY, 3
City	OCEANSIDE
State	CA
Zip	92058-0843
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RM-C-H
Legal Description	LOT 1 US 13PER DOC05-975345&UND INT IN BLDG ENVELOPE 3 IN TR 015171
Legal Subdivision	PELICAN COVE
Legal Tract	015171
Legal Block	2
Legal Lot Number	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2012
Census Tract	18622

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	285 REEF POINT WAY, 3, OCEANSIDE, CA 92058-0843
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC
Jan 20, 2021	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Jan 18, 2020	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Mar 22, 2019	Grant Deed, Transfer NAVY FCU
Dec 28, 2017	Grant Deed, Transfer CHICAGO TITLE COMPANY
Dec 28, 2017	Quit Claim Deed, Transfer CHICAGO TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 22, 2019 · Amount on Record
Deed Sale	Mar 22, 2019 · Amount on Record
Prior Sale	Dec 28, 2017 · Amount on Record
Deed Document Number	2019103531
Prior Transfer Date	Nov 13, 2017
Prior Transfer Doc	0000610168
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	285 REEF POINT WAY UNIT 3, 3, OCEANSIDE, CA 92058-0843
Transaction Type	Mortgage
Record Updated	Jun 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	285 REEF POINT WAY 3, 3, OCEANSIDE, CA 92058-0843

Mortgage

Document Number	0000158026
Date	Jun 16, 2023
Instrument	2023-0158026

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	WAYNE, PA 19087

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	285 REEF POINT WAY UNIT 3, 3, OCEANSIDE, CA 92058-0843
Transaction Type	Mortgage
Record Updated	Jun 22, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	285 REEF POINT WAY 3, 3, OCEANSIDE, CA 92058-0843

Mortgage

Document Number	0000043142
Date	Jan 20, 2021
Instrument	2021-0043142

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	285 REEF POINT WAY UNIT 3, 3, OCEANSIDE, CA 92058-0843
Document Number	0000040788
Instrument Date	Jan 18, 2020
Transaction Type	Mortgage
Record Updated	Feb 7, 2020
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	285 REEF POINT WAY #3 OCEANSIDE CA 920580843, 3, OCEANSIDE, CA 92058-0843

Mortgage

Document Number	0000040788
Date	Jan 24, 2020
Instrument	40788

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 23, 2050

March 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 22, 2019
Property Address	285 REEF POINT WAY UNIT 3, 3, OCEANSIDE, CA 92058-0843
Document Number	0000103531
Instrument Date	Feb 26, 2019
Instrument	103531
Transaction Type	Transfer
Record Updated	Mar 29, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$440.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	4338 MORGAN CREEK WAY OCEANSIDE CA 920576522, OCEANSIDE, CA 92057-6522

Mortgage

Document Number	103532
Date	Mar 22, 2019
Instrument	103532

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 21, 2049

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 28, 2017
Property Address	285 REEF POINT WAY UNIT 3, 3, OCEANSIDE, CA 92058-0843
Document Number	0000610169
Instrument Date	Nov 15, 2017
Instrument	610169
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$432.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2911 CALLE FRONTERA SAN CLEMENTE CA 926733007, SAN CLEMENTE, CA 92673-3007

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 28, 2017
Property Address	285 REEF POINT WAY UNIT 3, 3, OCEANSIDE, CA 92058-0843
Document Number	0000610168
Instrument Date	Nov 13, 2017
Instrument	610168
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	CHICAGO TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	285 REEF POINT WAY #3 OCEANSIDE CA 920580843, 3, OCEANSIDE, CA 92058-0843

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		$455,008 (+2%) Land $277,446 Building $177,562
2025	$4,942.00 (+5.26%) Homeowner's exemption	$446,087 (+4.04%) Land $272,006 Building $174,081
2023	$4,695.00 (+1.56%) Homeowner's exemption	$428,767 Land $261,445 Building $167,322
2022	$4,623.00

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 A99 high risk · federal flood protection under construction
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 69 individual policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	102 units insured incl. 33 condo units

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 80% of the US · lower than 88% of California
Wildfire Likelihood	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	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 455 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
Starlink Satellite	280 / 30

May also be available: AT&T, FiberFirst, Frontier, GeoLinks, T-Mobile, Verizon.

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