2863 Colgate Dr, Oceanside, CA 92056 Property Records

San Diego County property record for 2863 Colgate Dr, Oceanside, CA 92056

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,398 sqft · built 1986
Lot Size	0.53 acres (23,087 sqft)
Owner	Individual Name on Record
Last Sale	$590,000 (Jan 2005)
Tax Bill	$9,163 (2025)
Deeds & Mortgages	Mar 2021 Line of Credit Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`165-602-37-00`

Property Details

APN / Parcel Number

Primary APN	`165-602-37-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,398 sqft Living Area

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Lot Area	23,087 sqft (0.53 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	2863 COLGATE DR
City	OCEANSIDE
State	CA
Zip	92056-6349
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 119 TR 010052
Legal Subdivision	MIRA COSTA ESTATES
Legal Tract	010052
Legal Block	1
Legal Lot Number	119
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1001
Census Tract	18516

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	Individual Name on Record
Mailing Address	2863 COLGATE DR, OCEANSIDE, CA 92056-6349
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2021	Deed of Trust, Mortgage · Line of Credit CALIFORNIA COAST CU
Sep 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage JMAC LENDING INC
May 19, 2017	Deed of Trust, Mortgage · Line of Credit CALIFORNIA COAST CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 12, 2005 · Amount on Record
Deed Sale	Jan 12, 2005 · Amount on Record
Prior Sale	Dec 24, 1985 · Amount on Record
Deed Document Number	200531569
Prior Transfer Date	Dec 3, 2004
Prior Transfer Doc	0000031570
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2863 COLGATE DR, OCEANSIDE, CA 92056-6349
Transaction Type	Mortgage
Record Updated	Apr 7, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2863 COLGATE DR, OCEANSIDE, CA 92056-6349

Mortgage

Document Number	0000239076
Date	Mar 29, 2021
Instrument	2021-0239076

Lender

Name	CALIFORNIA COAST CU
Type	Credit Union
Address	SAN DIEGO, CA 92150

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Apr 28, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2863 COLGATE DR, OCEANSIDE, CA 92056-6349
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2863 COLGATE DR, OCEANSIDE, CA 92056-6349

Mortgage

Document Number	0000566051
Date	Sep 24, 2020
Instrument	2020-0566051

Lender

Name	JMAC LENDING INC
Type	Mortgage Company
Address	SANTA ANA, CA 92705

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2863 COLGATE DR, OCEANSIDE, CA 92056-6349
Document Number	0000234565
Instrument Date	May 19, 2017
Transaction Type	Mortgage
Record Updated	Jun 1, 2017
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	2863 COLGATE DR OCEANSIDE CA 920566349, OCEANSIDE, CA 92056-6349

Mortgage

Document Number	0000234565
Date	May 25, 2017
Instrument	234565

Lender

Name	CALIFORNIA COAST CU
Type	Credit Union
Address	SAN DIEGO, CA 92150-2080

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	May 24, 2042

Interest

Rate Type	Adjustable Rate

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		$838,785 (+2%) Land $526,018 Building $312,767
2025	$9,163.00 (+5.21%) Homeowner's exemption	$822,339 (+4.04%) Land $515,704 Building $306,635
2023	$8,709.00 (+1.55%) Homeowner's exemption	$790,409 Land $495,680 Building $294,729
2022	$8,576.00

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	1 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	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 563 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: GeoLinks, Verizon.

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