2881 Todd St, Oceanside, CA 92054 Property Records

San Diego County property record for 2881 Todd St, Oceanside, CA 92054

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,174 sqft · built 1979
Lot Size	0.144 acres (6,261 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,025,000 (Aug 2024)
Tax Bill	$11,506 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`146-280-31-00`

Property Details

APN / Parcel Number

Primary APN	`146-280-31-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,174 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Tile
Lot Area	6,261 sqft (0.144 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	2881 TODD ST
City	OCEANSIDE
State	CA
Zip	92054-3737
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RE-B
Legal Description	LOT 72 TR 007985
Legal Subdivision	MESA PINES
Legal Tract	007985
Legal Block	1
Legal Lot Number	72
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1005
Census Tract	18510

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	2881 TODD ST, OCEANSIDE, CA 92054-3737
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2021	Grant Deed, Transfer · VA Mortgage PENNYMAC LOAN SERVICES LLC
Jul 24, 2020	Deed of Trust, Mortgage · VA Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 20, 2024 · Amount on Record
Deed Sale	Aug 20, 2024 · Amount on Record
Prior Sale	Sep 20, 2021 · Amount on Record
Deed Document Number	2024222077
Prior Transfer Date	Feb 20, 1997
Prior Transfer Doc	0000219261
Record Updated	Oct 29, 2026

September 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 20, 2021
Property Address	2881 TODD ST, OCEANSIDE, CA 92054-3737
Document Number	0000663015
Map Reference	MAP 7985
Instrument Date	Aug 5, 2021
Instrument	2021-0663015
Transaction Type	Transfer
Record Updated	Sep 29, 2021
Title Company	CALIFORNIA TITLE COMPANY

Transaction

Amount	Amount Recorded
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
Address	2881 TODD ST, OCEANSIDE, CA 92054-3737

Mortgage

Document Number	0000663016
Date	Sep 20, 2021
Instrument	2021-0663016

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

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

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2881 TODD ST, OCEANSIDE, CA 92054-3737
Document Number	0000412329
Instrument Date	Jul 24, 2020
Transaction Type	Mortgage
Record Updated	Aug 6, 2020
Title Company	NEXTITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	18042 HANES ST QUANTICO VA 221341970, QUANTICO, VA 22134-1970

Mortgage

Document Number	0000412329
Date	Jul 28, 2020
Instrument	412329

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 27, 2050

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		$1,045,500 (+2%) Land $765,000 Building $280,500
2025	$11,506.00 (+30.1%)	$1,025,000 (+28.83%) Land $750,000 Building $275,000
2023	$8,844.00 (+1.54%)	$795,600 Land $499,800 Building $295,800
2022	$8,710.00

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
Flood Insurance Cost	Premium on Record median of 53 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	53 in force
Nearby Flood Claims	8 (1978–2017)
Claims Outside the SFHA	3 of 8
Most Recent Claim	Feb 2017 · Severe Winter Storms, Flooding, And Mudslides

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 96% of the US · lower than 97.4% of California
Wildfire Likelihood	Under 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	Arviso - Mobile Home Park private · serves 70 people · EPA ID 090605121
Water Source	Groundwater
Last State Inspection	Feb 2026
Also Mapped Here	SAN DIEGO COUNTY WATER AUTHORITY, CITY OF OCEANSIDE
Lead	Below detection (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Coliform assessment Dec 2019
Monitoring and Reporting	26 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 333 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

Nearby Properties on Todd St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures