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2909 Cottingham St, Oceanside, CA 92054 Property Records

San Diego County property record for 2909 Cottingham St, Oceanside, CA 92054 · Last verified July 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms2.5 Baths
Year BuiltBuilt 1979
Square Footage2,174 sqft Living Area
Lot Size6,459 sqft (0.148 acres)
OccupancyOwner Occupied
Last Sale$530,000 (2018)
Tax Bill$6,791.00 (2025)

Property Details

APN / Parcel Number

Primary APN146-281-03-00

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Partial Baths1 Partial Baths
Building Area2,174 sqft Living Area

Exterior

Year BuiltBuilt 1979
Effective Year BuiltEffective 1979
Lot Area6,459 sqft (0.148 acres)
Parking Spaces2 Parking Spaces
Garage TypeCarport Garage
CarportCarport

Location & Zoning

Street Address2909 COTTINGHAM ST
CityOCEANSIDE
StateCA
Zip92054-3735
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionLOT 30 TR 007985
Legal SubdivisionMESA PINES
Legal Tract007985
Legal Block1
Legal Lot Number30
JurisdictionSAN DIEGO CA
Minor Civil DivisionOCEANSIDE-ESCONDIDO
Census Blockgroup1
Census Block1003
Census Tract18510

Owner

Source: San Diego County records · APN 146-281-03-00

Assessment roll updated July 21, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address2909 COTTINGHAM ST, OCEANSIDE, CA 92054-3735
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Sep 02, 2022Deed of Trust, Mortgage · Line of Credit
MISSION FCU
Jan 31, 2022Deed of Trust, Mortgage · Conventional Mortgage
PENNYMAC LOAN SERVICES LLC
Aug 20, 2021Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
LOANCARE LLC
Oct 28, 2020Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
LAKEVIEW LOAN SERVICING LLC
Dec 02, 2019Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
FIRST CHOICE LN SVCS
Mar 26, 2018Grant Deed, Transfer · Federal Housing Administration (FHA) Mortgage
FIRST CHOICE LN SVCS

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMar 26, 2018 · Amount on Record
Deed SaleMar 26, 2018 · Amount on Record
Prior SaleSep 16, 1997 · Amount on Record
Deed Doc Number2018118560
Prior Transfer DateAug 19, 2005
Prior Transfer Doc0000734339
Record RefreshedSep 20, 2026

September 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address2909 COTTINGHAM ST, OCEANSIDE, CA 92054-3735
Transaction TypeMortgage
Record UpdatedSep 14, 2022
Title CompanyACCOMMODATION

Transferred To (Grantee/Buyer)

NameVerified Name
Address2909 COTTINGHAM ST, OCEANSIDE, CA 92054-3735

Mortgage

Document Number0000351531
DateSep 02, 2022
Instrument2022-0351531
Lender
NameMISSION FCU
TypeCredit Union
AddressSAN DIEGO, CA 92191
Agreement
TypeLine of Credit
AmountAmount Recorded
Term241 Months
DueSep 30, 2042
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).

January 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address2909 COTTINGHAM ST, OCEANSIDE, CA 92054-3735
Transaction TypeMortgage
Record UpdatedFeb 08, 2022
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN TTL SAN DIEGO

Transferred To (Grantee/Buyer)

NameVerified Name
Address2909 COTTINGHAM ST, OCEANSIDE, CA 92054-3735

Mortgage

Document Number0000043910
DateJan 31, 2022
Instrument2022-0043910
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressWESTLAKE VILLAGE, CA 91361
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 01, 2052

August 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address2909 COTTINGHAM ST, OCEANSIDE, CA 92054-3735
Transaction TypeMortgage
Record UpdatedAug 31, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address2909 COTTINGHAM ST, OCEANSIDE, CA 92054-3735

Mortgage

Document Number0000593913
DateAug 20, 2021
Instrument2021-0593913
Lender
NameLOANCARE LLC
TypeNon-Lending Institution
AddressVIRGINIA BEACH, VA 23452
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term351 Months
DueNov 01, 2050

October 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address2909 COTTINGHAM ST, OCEANSIDE, CA 92054-3735
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyWFG LENDER SERVICES

Transferred To (Grantee/Buyer)

NameVerified Name
Address2909 COTTINGHAM ST, OCEANSIDE, CA 92054-3735

Mortgage

Document Number0000663767
DateOct 28, 2020
Instrument2020-0663767
Lender
NameLAKEVIEW LOAN SERVICING LLC
TypeMortgage Company
AddressMIAMI, FL 33146
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2050

December 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address2909 COTTINGHAM ST, OCEANSIDE, CA 92054-3735
Document Number0000015643
Instrument DateDec 02, 2019
Transaction TypeMortgage
Record UpdatedJan 28, 2020
Title CompanyWFG LENDER SERVICES, WFG LENDER SVCS

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCommunity Property
Address2909 COTTINGHAM ST OCEANSIDE CA 920543735, OCEANSIDE, CA 92054-3735

Mortgage

Document Number0000015643
DateJan 13, 2020
Instrument15643
Lender
NameFIRST CHOICE LN SVCS
TypeFunding / Finance Company
AddressEAST BRUNSWICK, NJ 08816
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueJan 12, 2050

March 2018: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSAN DIEGO CA
Recording DateMar 26, 2018
Property Address2909 COTTINGHAM ST, OCEANSIDE, CA 92054-3735
Document Number0000118560
Instrument DateFeb 28, 2018
Instrument118560
Transaction TypeTransfer
Record UpdatedJan 10, 2020
Title CompanyNATIONWIDE TITLE CLEARING INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$583.00
Amount AccuracyFull Value
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCommunity Property
Address2909 COTTINGHAM ST OCEANSIDE CA 920543735, OCEANSIDE, CA 92054-3735

Mortgage

Document Number118561
DateMar 26, 2018
Instrument118561
Lender
NameFIRST CHOICE LN SVCS
TypeFunding / Finance Company
AddressEAST BRUNSWICK, NJ 08816
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueMar 25, 2048

Tax Assessment & Valuation

Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySan Diego County
MunicipalityOceanside City
Unified School DistrictOceanside Unified School District (KG - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed Value
2026$615,103 (+2%) Land $198,407 Building $416,696
2025$6,791.00 (+5.19%)$603,043 (+4.04%) Land $194,517 Building $408,526
2023$6,456.00 (+1.53%)$579,627 Land $186,964 Building $392,663
2022$6,359.00

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