303 del Flora St, Oceanside, CA 92058 Property Records

San Diego County property record for 303 del Flora St, Oceanside, CA 92058

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,878 sqft · built 1998
Lot Size	0.146 acres (6,342 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,009 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit May 2024 Second Mortgage + 6 more
Flood Zone	Zone X (moderate risk)
APN	`157-880-48-00`

Property Details

APN / Parcel Number

Primary APN	`157-880-48-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,878 sqft Living Area

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Lot Area	6,342 sqft (0.146 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	303 DEL FLORA ST
City	OCEANSIDE
State	CA
Zip	92058-7958
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 48 TR 013467
Legal Subdivision	OCEANSIDE 1
Legal Tract	013467
Legal Block	2
Legal Lot Number	48
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2005
Census Tract	18613

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	303 DEL FLORA ST, OCEANSIDE, CA 92058-7958
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2026	Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION
May 7, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Aug 6, 2020	Deed of Trust, Mortgage · VA Mortgage CARDINAL FINANCIAL COMPANY LP
Jan 25, 2022	Intrafamily Transfer, Transfer · VA Mortgage CARDINAL FINANCIAL COMPANY LP
Oct 15, 2019	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Dec 12, 2018	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Aug 2, 2017	Intrafamily Transfer, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE
Feb 13, 2017	Deed of Trust, Mortgage · VA Mortgage JG WENTWORTH HM LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 25, 2022
Deed Sale	Jan 25, 2022
Prior Sale	Aug 2, 2017
Deed Document Number	202235920
Prior Transfer Date	Jan 7, 2022
Prior Transfer Doc	0000035920
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 14, 2026
Property Address	303 DEL FLORA ST, OCEANSIDE, CA 92058-7958
Document Number	0000200638
Instrument Date	Jul 6, 2026
Instrument	2026200638
Transaction Type	Mortgage
Record Updated	Jul 22, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	303 DEL FLORA ST, OCEANSIDE, CA 92058-7958

Mortgage

Document Number	0000200638,
Date	Jul 14, 2026
Instrument	2026200638

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Aug 1, 2066

Interest

Rate	6.48%
Max Rate	-1%

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	303 DEL FLORA ST, OCEANSIDE, CA 92058-7958
Transaction Type	Mortgage
Record Updated	May 16, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	303 DEL FLORA ST, OCEANSIDE, CA 92058-7958

Mortgage

Document Number	0000114584
Date	May 7, 2024
Instrument	2024-0114584

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 1, 2044

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	303 DEL FLORA ST, OCEANSIDE, CA 92058-7958
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000435142
Date	Aug 6, 2020
Instrument	2020-0435142

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

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

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 25, 2022
Property Address	303 DEL FLORA ST, OCEANSIDE, CA 92058-7958
Document Number	0000035920
Map Reference	MAP 13467
Instrument Date	Jan 7, 2022
Instrument	2022-0035920
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	STEWART TITLE

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	303 DEL FLORA ST, OCEANSIDE, CA 92058-7958

Mortgage

Document Number	0000035921
Date	Jan 25, 2022
Instrument	2022-0035921

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

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

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	303 DEL FLORA ST, OCEANSIDE, CA 92058-7958
Document Number	0000472680
Instrument Date	Oct 15, 2019
Transaction Type	Mortgage
Record Updated	Oct 28, 2019
Title Company	WFG NATIONAL TITLE COMPANY, WFG NAT'L TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	303 DEL FLORA ST OCEANSIDE CA 920587958, OCEANSIDE, CA 92058-7958

Mortgage

Document Number	0000472680
Date	Oct 21, 2019
Instrument	472680

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 20, 2049

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	303 DEL FLORA ST, OCEANSIDE, CA 92058-7958
Document Number	0000514820
Instrument Date	Dec 12, 2018
Transaction Type	Mortgage
Record Updated	Dec 24, 2018
Title Company	WFG NATIONAL TITLE COMPANY, WFG NAT'L TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	303 DEL FLORA ST OCEANSIDE CA 920587958, OCEANSIDE, CA 92058-7958

Mortgage

Document Number	0000514820
Date	Dec 17, 2018
Instrument	514820

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 16, 2048

August 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 2, 2017
Property Address	303 DEL FLORA ST, OCEANSIDE, CA 92058-7958
Document Number	0000348642
Map Reference	MAP13467
Instrument Date	Jul 24, 2017
Instrument	2017-0348642
Transaction Type	Transfer
Record Updated	Jul 25, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	303 DEL FLORA ST, OCEANSIDE, CA 92058-7958

Mortgage

Document Number	0000348643
Date	Aug 2, 2017
Instrument	2017-0348643

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2047

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	303 DEL FLORA ST, OCEANSIDE, CA 92058-7958
Document Number	0000081522
Instrument Date	Feb 13, 2017
Transaction Type	Mortgage
Record Updated	Feb 28, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	303 DEL FLORA ST OCEANSIDE CA 920587958, OCEANSIDE, CA 92058-7958

Mortgage

Document Number	0000081522
Date	Feb 21, 2017
Instrument	81522

Lender

Name	JG WENTWORTH HM LNDG
Address	WOODBRIDGE, VA 22192

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 20, 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		$277,009 (+2%) Land $56,986 Building $220,023
2025	$3,009.00 (+5.32%) Homeowner's exemption	$271,578 (+4.04%) Land $55,869 Building $215,709
2023	$2,857.00 (+1.6%) Homeowner's exemption	$261,034 Land $53,700 Building $207,334
2022	$2,812.00

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	59 units insured incl. 54 condo units
Nearby Flood Claims	1 (1983)
Most Recent Claim	May 1983 · 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	Moderate above 51% of the US · lower than 70% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect 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	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 523 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
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: San Diego Broadband, T-Mobile.

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