311 Mainsail Rd, Oceanside, CA 92054 Property Records

San Diego County property record for 311 Mainsail Rd, Oceanside, CA 92054

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,672 sqft · built 1980
Lot Size	0.349 acres (15,192 sqft)
Owner	2 Individual Names on Record
Last Sale	$429,000 (Apr 2015)
Tax Bill	$5,735 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`162-441-01-00`

Property Details

APN / Parcel Number

Primary APN	`162-441-01-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,672 sqft Living Area

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Lot Area	15,192 sqft (0.349 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	311 MAINSAIL RD
City	OCEANSIDE
State	CA
Zip	92054-4606
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 1 TR 008968
Legal Subdivision	SEA MESA
Legal Tract	008968
Legal Block	2
Legal Lot Number	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2002
Census Tract	18510

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	311 MAINSAIL RD, OCEANSIDE, CA 92054-4606
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 26, 2025	Deed of Trust, Mortgage · Line of Credit PENTAGON FCU
May 26, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jun 28, 2017	Deed of Trust, Mortgage · VA Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 8, 2015 · Amount on Record
Deed Sale	Apr 8, 2015 · Amount on Record
Prior Sale	May 8, 1986 · Amount on Record
Deed Document Number	2015166623
Prior Transfer Date	Sep 4, 2002
Prior Transfer Doc	0000751388
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	311 MAINSAIL RD, OCEANSIDE, CA 92054-4606
Transaction Type	Mortgage
Record Updated	Dec 10, 2025
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	311 MAINSAIL RD, OCEANSIDE, CA 92054-4606

Mortgage

Document Number	0000336034
Date	Nov 26, 2025
Instrument	2025-0336034

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	MC LEAN, VA 22102

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Dec 5, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	311 MAINSAIL RD, OCEANSIDE, CA 92054-4606
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000263102
Date	May 26, 2020
Instrument	2020-0263102

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	311 MAINSAIL RD, OCEANSIDE, CA 92054-4606
Document Number	0000306957
Instrument Date	Jun 28, 2017
Transaction Type	Mortgage
Record Updated	Jul 14, 2017
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	311 MAINSAIL RD OCEANSIDE CA 920544606, OCEANSIDE, CA 92054-4606

Mortgage

Document Number	0000306957
Date	Jul 7, 2017
Instrument	306957

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 6, 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		$525,893 (+2%) Land $337,112 Building $188,781
2025	$5,735.00 (+5.23%) Homeowner's exemption	$515,582 (+4.04%) Land $330,502 Building $185,080
2023	$5,450.00 (+1.57%) Homeowner's exemption	$495,563 Land $317,669 Building $177,894
2022	$5,366.00

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
Flood Insurance Cost	Premium on Record median of 140 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	140 in force
Nearby Flood Claims	3 (1978–2005)
Most Recent Claim	Jan 2005 · Severe Storms, Flooding, Debris Flows, And Mudslides

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 95% of the US · lower than 97% 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	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 505 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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