2885 Todd St, Oceanside, CA 92054 Property Records

San Diego County property record for 2885 Todd St, Oceanside, CA 92054

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,094 sqft · built 1979
Lot Size	0.141 acres (6,136 sqft)
Owner	2 Individual Names on File
Last Sale	$290,000 (Dec 2009)
Tax Bill	$4,157 (2025)
Deeds & Mortgages	May 2024 Second Mortgage Apr 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`146-280-30-00`

Property Details

APN / Parcel Number

Primary APN	`146-280-30-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,094 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	6,136 sqft (0.141 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	2885 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 71 TR 007985
Legal Subdivision	MESA PINES
Legal Tract	007985
Legal Block	1
Legal Lot Number	71
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1005
Census Tract	18510

Owner

Source: San Diego County assessment roll, 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	2 Individual Names on File
Mailing Address	2885 TODD ST, OCEANSIDE, CA 92054-3737
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 9, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CALIFORNIA COAST CU
Apr 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 24, 2009 · Amount on Record
Deed Sale	Dec 24, 2009 · Amount on Record
Prior Sale	May 13, 2005 · Amount on Record
Deed Document Number	2009712875
Last Transfer Date	Oct 14, 2014
Transfer Doc	0000454935
Record Updated	Sep 20, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2885 TODD ST, OCEANSIDE, CA 92054-3737
Transaction Type	Mortgage
Record Updated	May 22, 2024
Title Company	WFG TITLE COMPANY/CA, WFG TITLE COMPANY OF CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2885 TODD ST, OCEANSIDE, CA 92054-3737

Mortgage

Document Number	0000115958
Date	May 9, 2024
Instrument	2024-0115958

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2039

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2885 TODD ST, OCEANSIDE, CA 92054-3737
Transaction Type	Mortgage
Record Updated	Apr 13, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2885 TODD ST, OCEANSIDE, CA 92054-3737

Mortgage

Document Number	0000261505
Date	Apr 5, 2021
Instrument	2021-0261505

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

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

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		$381,810 (+2%) Land $251,758 Building $130,052
2025	$4,157.00 (+5.27%) Homeowner's exemption	$374,324 (+4.04%) Land $246,822 Building $127,502
2023	$3,949.00 (+1.57%) Homeowner's exemption	$359,790 Land $237,239 Building $122,551
2022	$3,888.00

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

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 USA Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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