289 Reef Point Way, Unit 2, Oceanside, CA 92058 Property Records

San Diego County property record for 289 Reef Point Way, Unit 2, Oceanside, CA 92058

Property Summary

Property Type	Condominium
Details	3 bd · 3 ba · 1,569 sqft · built 2006
Lot Size	5.41 acres (235,809 sqft)
Owner	Individual Name on Record
Last Sale	$440,000 (Dec 2019)
Tax Bill	$5,334 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Jan 2021 Mortgage + 1 more
Flood Zone	Zone A99 (high risk)
APN	`158-051-19-80`

Property Details

APN / Parcel Number

Primary APN	`158-051-19-80`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	1,569 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, 2
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 80PER 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

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	Individual Name on Record
Mailing Address	289 REEF POINT WAY, 2, OCEANSIDE, CA 92058-0844
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 15, 2022	Deed of Trust, Mortgage · VA Mortgage GUARANTEED RATE INC
Jan 20, 2021	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Dec 23, 2019	Grant Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 23, 2019 · Amount on Record
Deed Sale	Dec 23, 2019 · Amount on Record
Prior Sale	Sep 25, 2013 · Amount on Record
Deed Document Number	2019601818
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	289 REEF POINT WAY UNIT 2, 2, OCEANSIDE, CA 92058-0844
Transaction Type	Mortgage
Record Updated	Feb 28, 2022
Title Company	ORABGE COAST TITLE, ORANGE COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	289 REEF POINT WAY 2, 2, OCEANSIDE, CA 92058-0844

Mortgage

Document Number	0000068445
Date	Feb 15, 2022
Instrument	2022-0068445

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	289 REEF POINT WAY UNIT 2, 2, OCEANSIDE, CA 92058-0844
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TICOR TTL ORANGE CNTY BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	840 PILLAR POINT WAY, OCEANSIDE, CA 92058-6924

Mortgage

Document Number	0000040776
Date	Jan 20, 2021
Instrument	2021-0040776

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	348 Months
Due	Jan 1, 2050

December 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 23, 2019
Property Address	289 REEF POINT WAY UNIT 2, 2, OCEANSIDE, CA 92058-0844
Document Number	0000601818
Instrument Date	Nov 27, 2019
Instrument	601818
Transaction Type	Transfer
Record Updated	Jan 3, 2020
Title Company	TICOR TITLE ORANGE COUNTY BR, TICOR TITLE ORANGE CNTY BR

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$484.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	289 REEF POINT WAY #2 OCEANSIDE CA 920580844, 2, OCEANSIDE, CA 92058-0844

Mortgage

Document Number	601819
Date	Dec 23, 2019
Instrument	601819

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 22, 2049

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		$490,823 (+2%) Land $278,517 Building $212,306
2025	$5,334.00 (+5.25%) Homeowner's exemption	$481,200 (+4.04%) Land $273,056 Building $208,144
2023	$5,068.00 (+1.56%) Homeowner's exemption	$462,515 Land $262,453 Building $200,062
2022	$4,990.00

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 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 Record 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

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.

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