San Diego County property record for 2886 Macdonald St, Oceanside, CA 92054
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,714 sqft · built 1989 |
| Lot Size | 0.419 acres (18,256 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $786,500 (May 2023) |
| Tax Bill | $9,196 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage May 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 149-170-40-00 |
| Primary APN | 149-170-40-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,714 sqft Living Area |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Lot Area | 18,256 sqft (0.419 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 2886 MACDONALD ST |
|---|---|
| City | OCEANSIDE |
| State | CA |
| Zip | 92054-4532 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS |
| Legal Description | PAR 7 TR PM05234 |
| Legal Subdivision | CITY OF OCEANSIDE |
| Legal Tract | 5234 |
| Legal Block | 1 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | OCEANSIDE-ESCONDIDO |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 18511 |
2886 Macdonald St is owned and occupied by two individuals who bought it in May 2023.
Source: San Diego County records, as of July 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2886 MACDONALD ST, OCEANSIDE, CA 92054-4532 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 18, 2026 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| May 1, 2023 | Grant Deed, Transfer · Conventional Mortgage US BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 1, 2023 · Amount on File |
| Deed Sale | May 1, 2023 · Amount on File |
| Prior Sale | Dec 22, 2010 · Amount on File |
| Deed Document Number | 2023113249 |
| Prior Transfer Date | Sep 15, 2010 |
| Prior Transfer Doc | 0000523962 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 2886 MACDONALD ST, OCEANSIDE, CA 92054-4532 |
| Transaction Type | Mortgage |
| Record Updated | Mar 25, 2026 |
| Name | Verified Name |
|---|---|
| Address | 2886 MACDONALD ST, OCEANSIDE, CA 92054-4532 |
| Document Number | 0000073372 |
|---|---|
| Date | Mar 18, 2026 |
| Instrument | 2026-0073372 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | May 1, 2023 |
| Property Address | 2886 MACDONALD ST, OCEANSIDE, CA 92054-4532 |
| Document Number | 0000113249 |
| Instrument Date | Apr 12, 2023 |
| Instrument | 2023-0113249 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2023 |
| Title Company | FIDELITY NATIONAL TITLE COMPANY LONG B, FIDELITY NATL TTL CO LONG BE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 2886 MACDONALD ST, OCEANSIDE, CA 92054-4532 |
| Document Number | 0000113250 |
|---|---|
| Date | May 1, 2023 |
| Instrument | 2023-0113250 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2053 |
The 2025 property tax bill for 2886 Macdonald St was $9,196, up 1.9% from the year before.
Source: San Diego County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Municipality | Oceanside City |
| Unified School District | Oceanside Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $834,638 (+2%) Land $636,724 Building $197,914 | |
| 2025 | $9,196.00 (+1.94%) | $818,274 Land $624,240 Building $194,034 |
| 2024 | $9,021.00 (+118.27%) | |
| 2023 | $4,133.00 (+1.55%) | $369,417 Land $36,762 Building $332,655 |
| 2022 | $4,070.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 2886 Macdonald St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1998.
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 | 2 in force |
| Nearby Flood Claims | 1 (1998) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Mar 1998 · Severe Winter Storms And Flooding |
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 risk around 2886 Macdonald St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 98.4% of California |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 451 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fixed Wireless in parts of the area | 100 / 20 |
May also be available: GeoLinks.
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