314 Mainsail Rd, Oceanside, CA 92054 Property Records

San Diego County property record for 314 Mainsail Rd, Oceanside, CA 92054

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,323 sqft · built 1980
Lot Size	0.279 acres (12,143 sqft)
Owner	2 Individual Names on Record
Last Sale	$760,000 (May 2021)
Tax Bill	$9,166 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit May 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`162-441-08-00`

Property Details

APN / Parcel Number

Primary APN	`162-441-08-00`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,323 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	12,143 sqft (0.279 acres)
Lot Dimensions	115 ft deep x 58 ft wide
View / Lot	Good
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	314 MAINSAIL RD
City	OCEANSIDE
State	CA
Zip	92054-4604
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 8 TR 008968
Legal Subdivision	SEA MESA
Legal Tract	008968
Legal Block	2
Legal Lot Number	8
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	314 MAINSAIL RD, OCEANSIDE, CA 92054-4604
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2025	Deed of Trust, Mortgage · Line of Credit MISSION FCU
May 27, 2021	Grant Deed, Transfer · Conventional Mortgage VP PARTNERS INC
Dec 18, 2017	Deed of Trust, Mortgage · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 27, 2021 · Amount on Record
Deed Sale	May 27, 2021 · Amount on Record
Prior Sale	Mar 20, 1992 · Amount on Record
Deed Document Number	2021401172
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	314 MAINSAIL RD, OCEANSIDE, CA 92054-4604
Transaction Type	Mortgage
Record Updated	Nov 26, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	314 MAINSAIL RD, OCEANSIDE, CA 92054-4604

Mortgage

Document Number	0000317734
Date	Nov 12, 2025
Instrument	2025-0317734

Lender

Name	MISSION FCU
Type	Credit Union
Address	SAN DIEGO, CA 92191

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Nov 30, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 27, 2021
Property Address	314 MAINSAIL RD, OCEANSIDE, CA 92054-4604
Document Number	0000401172
Map Reference	MAP 8968
Instrument Date	May 6, 2021
Instrument	2021-0401172
Transaction Type	Transfer
Record Updated	Jun 8, 2021
Title Company	FIDELITY NATL TTL SAN DIEGO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	314 MAINSAIL RD, OCEANSIDE, CA 92054-4604

Mortgage

Document Number	0000401173
Date	May 27, 2021
Instrument	2021-0401173

Lender

Name	VP PARTNERS INC
Type	Non-Lending Institution
Address	IRVINE, CA 92612

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	314 MAINSAIL RD, OCEANSIDE, CA 92054-4604
Document Number	0000603893
Instrument Date	Dec 18, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	WFG NATIONAL TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	314 MAINSAIL RD OCEANSIDE CA 920544604, OCEANSIDE, CA 92054-4604

Mortgage

Document Number	0000603893
Date	Dec 22, 2017
Instrument	603893

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 21, 2032

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		$839,095 (+2%) Land $344,400 Building $494,695
2025	$9,166.00 (+5.21%) Homeowner's exemption	$822,644 (+4.04%) Land $337,648 Building $484,996
2023	$8,712.00 (+1.36%) Homeowner's exemption	$790,702 Land $324,538 Building $466,164
2022	$8,595.00

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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