285 Reef Point Way, Unit 5, Oceanside, CA 92058 Property Records

San Diego County property record for 285 Reef Point Way, Unit 5, Oceanside, CA 92058

Property Summary

Property Type	Condominium
Details	3 bd · 3 ba · 1,569 sqft · built 2006
Lot Size	5.41 acres (235,809 sqft)
Owner	Individual Name on Record
Last Sale	$219,000 (Jan 2011)
Tax Bill	$4,076 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Aug 2021 Transfer
Flood Zone	Zone A99 (high risk)
APN	`158-051-19-11`

Property Details

APN / Parcel Number

Primary APN	`158-051-19-11`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	1,569 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, 5
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 11PER 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 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	2500 BATON ROUGE DR, SAN JOSE, CA 95133-2600
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 19, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 20, 2011 · Amount on Record
Deed Sale	Jan 20, 2011 · Amount on Record
Prior Sale	Nov 10, 2010 · Amount on Record
Deed Document Number	201135790
Last Transfer Date	May 12, 2016
Transfer Doc	0000411001
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	285 REEF POINT WAY UNIT 5, 5, OCEANSIDE, CA 92058-0843
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2500 BATON ROUGE DR, SAN JOSE, CA 95133-2600

Mortgage

Document Number	0000624582
Date	Sep 2, 2021
Instrument	2021-0624582

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 19, 2021
Property Address	285 REEF POINT WAY UNIT 5, 5, OCEANSIDE, CA 92058-0843
Document Number	0000592329
Map Reference	MAP 15171
Instrument Date	Jul 1, 2021
Instrument	2021-0592329
Transaction Type	Transfer
Record Updated	Jul 25, 2022

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
Address	2500 BATON ROUGE DR, SAN JOSE, CA 95133-2600

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 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		$368,845 (+2%) Land $200,052 Building $168,793
2025	$4,076.00 (+5.19%)	$361,614 (+4.04%) Land $196,130 Building $165,484
2023	$3,875.00 (+1.52%)	$347,574 Land $188,515 Building $159,059
2022	$3,817.00

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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