318 Ave Descanso, Oceanside, CA 92057 Property Records

San Diego County property record for 318 Ave Descanso, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 820 sqft · built 1980
Lot Size	0.81 acres (3,510 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,826 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Apr 2017 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`157-391-93-00`

Property Details

APN / Parcel Number

Primary APN	`157-391-93-00`
Alternative APN	`1574570500`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	820 sqft Living Area

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Lot Area	3,510 sqft (0.81 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Location & Zoning

Old Parcel Number	1574570500
Street Address	318 AVENIDA DESCANSO
City	OCEANSIDE
State	CA
Zip	92057-5207
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-A
Legal Description	LOT 307 TR 009081
Legal Subdivision	HERMOSA MANOR
Legal Tract	009081
Legal Block	3
Legal Lot Number	307
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3001
Census Tract	18609

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	318 AVENIDA DESCANSO, OCEANSIDE, CA 92057-5207
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2020	Deed of Trust, Mortgage · Conventional with PMI ORION LNDG
Apr 3, 2017	Grant Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 3, 2017
Deed Sale	Apr 3, 2017
Prior Sale	Jul 23, 1998 · Amount on Record
Deed Document Number	2017149095
Prior Transfer Date	Feb 17, 2005
Prior Transfer Doc	0000156596
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	318 AVENIDA DESCANSO, OCEANSIDE, CA 92057-5207
Document Number	0000461181
Instrument Date	Aug 11, 2020
Transaction Type	Mortgage
Record Updated	Aug 26, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	318 AVENIDA DESCANSO OCEANSIDE CA 920575207, OCEANSIDE, CA 92057-5207

Mortgage

Document Number	0000461181
Date	Aug 17, 2020
Instrument	461181

Lender

Name	ORION LNDG
Address	ORANGE, CA 92868

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 16, 2050

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 3, 2017
Property Address	318 AVENIDA DESCANSO, OCEANSIDE, CA 92057-5207
Document Number	0000149095
Map Reference	MAP9081
Instrument Date	Mar 10, 2017
Instrument	2017-0149095
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	WESTERN RESOURCES TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	318 AVENIDA DESCANSO, OCEANSIDE, CA 92057-5207

Mortgage

Document Number	0000149096
Date	Apr 3, 2017
Instrument	2017-0149096

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2047

Mortgage

Document Number	0000149098
Date	Apr 3, 2017
Instrument	2017-0149098

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Negative Amortization
Amount	Amount Recorded

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		$351,581 (+2%) Land $236,756 Building $114,825
2025	$3,826.00 (+5.28%) Homeowner's exemption	$344,688 (+4.04%) Land $232,114 Building $112,574
2023	$3,634.00 (+1.59%) Homeowner's exemption	$331,304 Land $223,101 Building $108,203
2022	$3,577.00

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	1 in force
Nearby Flood Claims	2 (1980)
Most Recent Claim	Aug 1980 · tidal / storm surge

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 64% of the US · lower than 79% of California
Wildfire Likelihood	0.06% 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 447 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
San Diego Broadband Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

May also be available: T-Mobile.

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