San Diego County property record for 2863 Cottingham St, Oceanside, CA 92054 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2.5 Baths |
| Year Built | Built 1980 |
| Square Footage | 1,943 sqft Living Area |
| Lot Size | 6,497 sqft (0.149 acres) |
| Garage | Carport |
| Occupancy | Owner Occupied |
| Tax Bill | $6,534.00 (2025) |
| Primary APN | 146-280-19-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 8 Rooms |
| Building Area | 1,943 sqft Living Area |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Contemporary Style |
| Exterior Material | Stucco Exterior |
| Construction Type | Frame Construction |
| Roof Material | Tile Roof |
| Lot Area | 6,497 sqft (0.149 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Carport Garage |
| Carport | Carport |
| Heating System | Forced Air with Air Conditioning Heating |
|---|---|
| Sewage | Municipal Sewage |
| Water Source | Commercial Water Source |
| Street Address | 2863 COTTINGHAM ST |
|---|---|
| City | OCEANSIDE |
| State | CA |
| Zip | 92054-3734 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 19 TR 007985 |
| Legal Subdivision | MESA PINES |
| Legal Tract | 007985 |
| Legal Block | 1 |
| Legal Lot Number | 19 |
| Jurisdiction | SAN DIEGO CA |
| Minor Civil Division | OCEANSIDE-ESCONDIDO |
| Census Blockgroup | 1 |
| Census Block | 1003 |
| Census Tract | 18510 |
Source: San Diego County records · APN 146-280-19-00
Assessment roll updated July 21, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 2863 COTTINGHAM ST, OCEANSIDE, CA 92054-3734 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jan 16, 2026 | Deed of Trust, Mortgage · Commercial Mortgage SPLITERO FUNDING INC |
| Mar 23, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage DIGNIFIED HOME LOANS |
| Aug 15, 2018 | Intrafamily Transfer, Transfer · Conventional Mortgage GUILD MORTGAGE CO |
| Dec 11, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 06, 2016 |
| Deed Sale | Jun 06, 2016 |
| Prior Sale | Nov 25, 2014 · Amount on Record |
| Deed Doc Number | 2016275203 |
| Last Transfer Date | Mar 02, 2021 |
| Transfer Doc | 0000226483 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 2863 COTTINGHAM ST, OCEANSIDE, CA 92054-3734 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2026 |
| Name | Verified Name |
|---|---|
| Address | 2863 COTTINGHAM ST, OCEANSIDE, CA 92054-3734 |
| Document Number | 0000013910 |
|---|---|
| Date | Jan 16, 2026 |
| Instrument | 2026-0013910 |
| Name | SPLITERO FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Address | BUFFALO, NY 14210 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 123 Months |
| Due | Apr 01, 2036 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Mar 23, 2021 |
| Property Address | 2863 COTTINGHAM ST, OCEANSIDE, CA 92054-3734 |
| Document Number | 0000226483 |
| Map Reference | MAP 7985 |
| Instrument Date | Mar 02, 2021 |
| Instrument | 2021-0226483 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATL TTL ORANGE CNT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property (Marital Community) with Rights of Survivorship |
| Address | 2863 COTTINGHAM ST, OCEANSIDE, CA 92054-3734 |
| Document Number | 0000226484 |
|---|---|
| Date | Mar 23, 2021 |
| Instrument | 2021-0226484 |
| Name | DIGNIFIED HOME LOANS |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Apr 01, 2036 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Aug 15, 2018 |
| Property Address | 2863 COTTINGHAM ST, OCEANSIDE, CA 92054-3734 |
| Document Number | 0000335980 |
| Map Reference | MAP 7985 |
| Instrument Date | Aug 10, 2018 |
| Instrument | 2018-0335980 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Title Company | STEWART TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2863 COTTINGHAM ST, OCEANSIDE, CA 92054-3734 |
| Document Number | 0000335981 |
|---|---|
| Date | Aug 15, 2018 |
| Instrument | 2018-0335981 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2048 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Dec 11, 2017 |
| Property Address | 2863 COTTINGHAM ST, OCEANSIDE, CA 92054-3734 |
| Document Number | 0000574620 |
| Instrument Date | Dec 08, 2017 |
| Instrument | 574620 |
| Transaction Type | Transfer |
| Record Updated | Jan 03, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 2863 COTTINGHAM ST OCEANSIDE CA 920543734, OCEANSIDE, CA 92054-3734 |
Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Municipality | Oceanside City |
| Unified School District | Oceanside Unified School District (KG - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $598,792 (+2%) Land $281,509 Building $317,283 | |
| 2025 | $6,534.00 (+5.23%) Homeowner's exemption | $587,052 (+4.04%) Land $275,990 Building $311,062 |
| 2023 | $6,209.00 (+1.55%) Homeowner's exemption | $564,258 Land $265,274 Building $298,984 |
| 2022 | $6,114.00 |
2863 Cottingham St is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).
Source: FEMA National Flood Hazard Layer · San Diego County (06073C), updated September 3, 2026
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Low 20th percentile of exposed land nationally · 11th in California |
|---|---|
| Wildfire Likelihood | Low — about 1 in 6,250 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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