2895 Colgate Dr, Oceanside, CA 92056 Property Records

San Diego County property record for 2895 Colgate Dr, Oceanside, CA 92056

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,398 sqft · built 1985
Lot Size	0.207 acres (9,001 sqft)
Owner	2 Individual Names on Record
Last Sale	$835,000 (Jul 2021)
Tax Bill	$9,954 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Mar 2021 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`165-602-29-00`

Property Details

APN / Parcel Number

Primary APN	`165-602-29-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,398 sqft Living Area

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Lot Area	9,001 sqft (0.207 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	2895 COLGATE DR
City	OCEANSIDE
State	CA
Zip	92056-6350
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 127 TR 010052
Legal Subdivision	MIRA COSTA ESTATES
Legal Tract	010052
Legal Block	1
Legal Lot Number	127
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1007
Census Tract	18516

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	2895 COLGATE DR, OCEANSIDE, CA 92056-6350
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2021	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 3, 2021	Intrafamily Transfer, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE
Mar 3, 2021	Intrafamily Transfer, Transfer FIRST AMERICAN TITLE INS CO
Dec 27, 2019	Deed of Trust, Mortgage · Line of Credit MISSION FCU
May 13, 2020	Quit Claim Deed, Transfer AMROCK INC
May 13, 2020	Intrafamily Transfer, Transfer · VA Mortgage RED MORTGAGE CAPITAL INC
Mar 29, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 21, 2021 · Amount on Record
Deed Sale	Jul 21, 2021 · Amount on Record
Prior Sale	Mar 3, 2021
Deed Document Number	2021520732
Prior Transfer Date	Feb 16, 2021
Prior Transfer Doc	0000164246
Record Updated	Oct 29, 2026

July 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 21, 2021
Property Address	2895 COLGATE DR, OCEANSIDE, CA 92056-6350
Document Number	0000520732
Map Reference	MAP 10052
Instrument Date	Jun 21, 2021
Instrument	2021-0520732
Transaction Type	Transfer
Record Updated	Jul 30, 2021
Title Company	FIDELITY NATL TTL SAN DIEGO

Transaction

Amount	Amount Recorded
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
Relationship	Joint Tenants
Address	2895 COLGATE DR, OCEANSIDE, CA 92056-6350

Mortgage

Document Number	0000520733
Date	Jul 21, 2021
Instrument	2021-0520733

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 3, 2021
Property Address	2895 COLGATE DR, OCEANSIDE, CA 92056-6350
Document Number	0000164246
Map Reference	MAP 10052
Instrument Date	Feb 16, 2021
Instrument	2021-0164246
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2895 COLGATE DR, OCEANSIDE, CA 92056-6350

Mortgage

Document Number	0000164247
Date	Mar 3, 2021
Instrument	2021-0164247

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 3, 2021
Property Address	2895 COLGATE DR, OCEANSIDE, CA 92056-6350
Document Number	0000164248
Map Reference	MAP 10052
Instrument Date	Feb 16, 2021
Instrument	2021-0164248
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	2895 COLGATE DR, OCEANSIDE, CA 92056-6350

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2895 COLGATE DR, OCEANSIDE, CA 92056-6350
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000609518
Date	Dec 27, 2019
Instrument	2019-0609518

Lender

Name	MISSION FCU
Type	Credit Union
Address	SAN DIEGO, CA 92191

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Dec 31, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 13, 2020
Property Address	2895 COLGATE DR, OCEANSIDE, CA 92056-6350
Document Number	0000241330
Instrument Date	Apr 10, 2020
Instrument	241330
Transaction Type	Transfer
Record Updated	May 21, 2020
Title Company	AMROCK INC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	2895 COLGATE DR OCEANSIDE CA 920566350, OCEANSIDE, CA 92056-6350

May 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	May 13, 2020
Property Address	2895 COLGATE DR, OCEANSIDE, CA 92056-6350
Document Number	0000241328
Map Reference	MAP 10052
Instrument Date	Apr 10, 2020
Instrument	2020-0241328
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	AMROCK INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2895 COLGATE DR, OCEANSIDE, CA 92056-6350

Mortgage

Document Number	0000241329
Date	May 13, 2020
Instrument	2020-0241329

Lender

Name	RED MORTGAGE CAPITAL INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2050

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 29, 2017
Property Address	2895 COLGATE DR, OCEANSIDE, CA 92056-6350
Document Number	0000140402
Instrument Date	Feb 25, 2017
Instrument	140402
Transaction Type	Transfer
Record Updated	Apr 4, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	2895 COLGATE DR OCEANSIDE CA 920566350, OCEANSIDE, CA 92056-6350

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		$903,828 (+2%) Land $267,852 Building $635,976
2025	$9,954.00 (+5.18%)	$886,106 (+4.04%) Land $262,600 Building $623,506
2023	$9,464.00 (+1.53%)	$851,699 Land $252,403 Building $599,296
2022	$9,321.00

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	1 in force

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 98% of the US · lower than 98.4% 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	La Jolla Western tribal government · serves 296 people · EPA ID 090605008
Water Source	Groundwater
Last State Inspection	Apr 2021
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	None last 10 years
Monitoring and Reporting	1 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 563 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
FiberFirst Fiber	5,000 / 5,000
Cox Communications Cable	2,000 / 100
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: GeoLinks, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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