2905 Colgate Dr, Oceanside, CA 92056 Property Records

San Diego County property record for 2905 Colgate Dr, Oceanside, CA 92056

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,608 sqft · built 1985
Lot Size	0.184 acres (8,021 sqft)
Owner	2 Individual Names on Record
Last Sale	$280,000 (Jul 2009)
Tax Bill	$4,012 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`165-602-23-00`

Property Details

APN / Parcel Number

Primary APN	`165-602-23-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,608 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Exterior Material	Stucco
Roof Material	Composition Shingle
Lot Area	8,021 sqft (0.184 acres)
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	2905 COLGATE DR
City	OCEANSIDE
State	CA
Zip	92056-6351
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 140 TR 010052
Legal Subdivision	MIRACOSTA ESTATES
Legal Tract	010052
Legal Block	1
Legal Lot Number	140
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1001
Census Tract	18517

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	2905 COLGATE DR, OCEANSIDE, CA 92056-6351
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2022	Deed of Trust, Mortgage · Line of Credit CALIFORNIA COAST CU
Oct 30, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage SUN WEST MORTGAGE COMPANY INC
Sep 10, 2018	Intrafamily Transfer, Transfer · Conventional Mortgage NOVA FINANCIAL & INVESTMENT CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2009 · Amount on Record
Deed Sale	Jul 22, 2009 · Amount on Record
Prior Sale	Jun 17, 2009 · Amount on Record
Deed Document Number	2009404761
Last Transfer Date	Nov 18, 2024
Transfer Doc	0000332116
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2905 COLGATE DR, OCEANSIDE, CA 92056-6351
Transaction Type	Mortgage
Record Updated	Sep 27, 2023
Title Company	TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2905 COLGATE DR, OCEANSIDE, CA 92056-6351

Mortgage

Document Number	0000451336
Date	Nov 29, 2022
Instrument	2022-0451336

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Dec 28, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 30, 2020
Property Address	2905 COLGATE DR, OCEANSIDE, CA 92056-6351
Document Number	0000675712
Map Reference	MAP 10052
Instrument Date	Sep 14, 2020
Instrument	2020-0675712
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	ORANGE COAST TITLE COMPANY

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
Address	2905 COLGATE DR, OCEANSIDE, CA 92056-6351

Mortgage

Document Number	0000675713
Date	Oct 30, 2020
Instrument	2020-0675713

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

September 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 10, 2018
Property Address	2905 COLGATE DR, OCEANSIDE, CA 92056-6351
Document Number	0000372311
Map Reference	MAP 10052
Instrument Date	Aug 31, 2018
Instrument	2018-0372311
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

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	2905 COLGATE DR, OCEANSIDE, CA 92056-6351

Mortgage

Document Number	0000372312
Date	Sep 10, 2018
Instrument	2018-0372312

Lender

Name	NOVA FINANCIAL & INVESTMENT CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2048

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		$409,121 (+13.2%) Land $229,284 Building $179,837
2025	$4,012.00 (+5.25%) Homeowner's exemption	$361,414 (+4.04%) Land $219,434 Building $141,980
2023	$3,812.00 (+1.57%) Homeowner's exemption	$347,382 Land $210,914 Building $136,468
2022	$3,753.00

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
Nearby Flood Claims	1 (2025)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2025 · rainfall accumulation

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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