2981 Macdonald St, Oceanside, CA 92054 Property Records

San Diego County property record for 2981 Macdonald St, Oceanside, CA 92054

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,342 sqft · built 1973
Lot Size	0.358 acres (15,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$555,000 (Nov 2017)
Tax Bill	$7,108 (2025)
Deeds & Mortgages	Mar 2022 Line of Credit Mar 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`149-380-05-00`

Property Details

APN / Parcel Number

Primary APN	`149-380-05-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,342 sqft Living Area

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Lot Area	15,600 sqft (0.358 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	2981 MACDONALD ST
City	OCEANSIDE
State	CA
Zip	92054-4533
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 9 TR 007193
Legal Subdivision	MACDONALD HEIGHTS
Legal Tract	007193
Legal Block	1
Legal Lot Number	9
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1004
Census Tract	18511

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	2981 MACDONALD ST, OCEANSIDE, CA 92054-4533
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 22, 2022	Intrafamily Transfer, Transfer · Line of Credit SCHOOLSFIRST FCU
Mar 22, 2022	Intrafamily Transfer, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO
Jul 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage CITYWIDE HMS LNS
Nov 9, 2017	Grant Deed, Transfer · Conventional Mortgage ALTERRA HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 9, 2017 · Amount on Record
Deed Sale	Nov 9, 2017 · Amount on Record
Prior Sale	Mar 5, 1998 · Amount on Record
Deed Document Number	2017525931
Prior Transfer Date	Nov 14, 1997
Prior Transfer Doc	0000589668
Record Updated	Oct 29, 2026

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 22, 2022
Property Address	2981 MACDONALD ST, OCEANSIDE, CA 92054-4533
Document Number	0000125141
Map Reference	MAP 7193
Instrument Date	Feb 23, 2022
Instrument	2022-0125141
Transaction Type	Transfer
Record Updated	Jul 25, 2022
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
Address	2981 MACDONALD ST, OCEANSIDE, CA 92054-4533

Mortgage

Document Number	0000125142
Date	Mar 22, 2022
Instrument	2022-0125142

Lender

Name	SCHOOLSFIRST FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 22, 2022
Property Address	2981 MACDONALD ST, OCEANSIDE, CA 92054-4533
Document Number	0000125140
Map Reference	MAP 7193
Instrument Date	Feb 23, 2022
Instrument	2022-0125140
Transaction Type	Transfer
Record Updated	Jul 25, 2022
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	2981 MACDONALD ST, OCEANSIDE, CA 92054-4533

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2981 MACDONALD ST, OCEANSIDE, CA 92054-4533
Document Number	0000420881
Instrument Date	Jul 25, 2020
Transaction Type	Mortgage
Record Updated	Aug 11, 2020
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2981 MACDONALD ST OCEANSIDE CA 920544533, OCEANSIDE, CA 92054-4533

Mortgage

Document Number	0000420881
Date	Jul 31, 2020
Instrument	420881

Lender

Name	CITYWIDE HMS LNS
Type	Funding / Finance Company
Address	SANDY, UT 84070

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 30, 2050

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 9, 2017
Property Address	2981 MACDONALD ST, OCEANSIDE, CA 92054-4533
Document Number	0000525931
Instrument Date	Oct 18, 2017
Instrument	525931
Transaction Type	Transfer
Record Updated	Nov 14, 2017
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$610.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2981 MACDONALD ST OCEANSIDE CA 920544533, OCEANSIDE, CA 92054-4533

Mortgage

Document Number	525932
Date	Nov 9, 2017
Instrument	525932

Lender

Name	ALTERRA HM LNS
Address	LAS VEGAS, NV 89145

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 8, 2047

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		$644,119 (+2%) Land $475,838 Building $168,281
2025	$7,108.00 (+1.94%)	$631,490 (+4.04%) Land $466,508 Building $164,982
2024	$6,973.00 (+3.18%)
2023	$6,758.00 (+1.53%)	$606,971 Land $448,394 Building $158,577
2022	$6,656.00

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	2 in force
Nearby Flood Claims	1 (1998)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 1998 · Severe Winter Storms And Flooding

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	Not rated no burnable land within 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	Arviso - Mobile Home Park private · serves 70 people · EPA ID 090605121
Water Source	Groundwater
Last State Inspection	Feb 2026
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	Coliform assessment Dec 2019
Monitoring and Reporting	26 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 452 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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