289 Reef Point Way, Unit 1, Oceanside, CA 92058 Property Records

San Diego County property record for 289 Reef Point Way, Unit 1, Oceanside, CA 92058

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,005 sqft · built 2006
Lot Size	5.41 acres (235,809 sqft)
Owner	Individual Name on File
Last Sale	$360,000 (Mar 2020)
Tax Bill	$4,356 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Mar 2020 Sale & Mortgage + 1 more
Flood Zone	Zone A99 (high risk)
APN	`158-051-19-81`

Property Details

APN / Parcel Number

Primary APN	`158-051-19-81`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,005 sqft Living Area

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Condo/Apartment
Lot Area	235,809 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	289 REEF POINT WAY, 1
City	OCEANSIDE
State	CA
Zip	92058-0844
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RM-C-H
Legal Description	LOT 1 US 81PER DOC05-975347&UND INT IN BLDG ENVELOPE 15 IN TR 015171
Legal Subdivision	PELICAN COVE
Legal Tract	015171
Legal Block	2
Legal Lot Number	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2012
Census Tract	18622

Owner

289 Reef Point Way, Unit 1 is owned and occupied by an individual who bought it in March 2020.

Source: San Diego County records, as of July 28, 2026

Owner of Record	Individual Name on File
Mailing Address	289 REEF POINT WAY, 1, OCEANSIDE, CA 92058-0844
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 23, 2021	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Mar 20, 2020	Grant Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE
Feb 3, 2020	Grant Deed, Transfer FINANCIAL TITLE, FIN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 20, 2020 · Amount on File
Deed Sale	Mar 20, 2020 · Amount on File
Prior Sale	Feb 3, 2020 · Amount on File
Deed Document Number	2020147102
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	289 REEF POINT WAY UNIT 1, 1, OCEANSIDE, CA 92058-0844
Transaction Type	Mortgage
Record Updated	Sep 1, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	289 REEF POINT WAY 1, 1, OCEANSIDE, CA 92058-0844

Mortgage

Document Number	0000599272
Date	Aug 23, 2021
Instrument	2021-0599272

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

March 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 20, 2020
Property Address	289 REEF POINT WAY UNIT 1, 1, OCEANSIDE, CA 92058-0844
Document Number	0000147102
Map Reference	MAP 15171
Instrument Date	Feb 28, 2020
Instrument	2020-0147102
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	PROMINENT ESCROW SVCS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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	289 REEF POINT WAY UNIT 1, 1, OCEANSIDE, CA 92058-0844

Mortgage

Document Number	0000147103
Date	Mar 20, 2020
Instrument	2020-0147103

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

February 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 3, 2020
Property Address	289 REEF POINT WAY UNIT 1, 1, OCEANSIDE, CA 92058-0844
Document Number	0000055305
Instrument Date	Nov 21, 2019
Instrument	55305
Transaction Type	Transfer
Record Updated	Feb 14, 2020
Title Company	FINANCIAL TITLE, FIN TITLE

Transaction

Amount	Amount on Record
Tax	$377.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Partnership
Address	4343 N SCOTTSDALE RD #390 SCOTTSDALE AZ 852513347, 390, SCOTTSDALE, AZ 85251-3347
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 289 Reef Point Way, Unit 1 was $4,356 with a homeowner's exemption.

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		$401,583 (+2%) Land $245,412 Building $156,171
2025	$4,356.00 Homeowner's exemption	$393,709 Land $240,600 Building $153,109
2023	$4,139.00 (+1.57%) Homeowner's exemption	$378,422 Land $231,258 Building $147,164
2022	$4,075.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 289 Reef Point Way, Unit 1 in Zone A99, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 3, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A99 high risk · federal flood protection under construction
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 69 individual policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	102 units insured incl. 33 condo units

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

Wildfire risk around 289 Reef Point Way, Unit 1 is low, with 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 80% of the US · lower than 88% of California
Wildfire Likelihood	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	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 455 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

May also be available: AT&T, FiberFirst, Frontier, GeoLinks, T-Mobile, Verizon.

Nearby Properties on Reef Point Way

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