3181 Coral Dr, Oceanside, CA 92056 Property Records

San Diego County property record for 3181 Coral Dr, Oceanside, CA 92056

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 827 sqft · built 1972
Lot Size	0.69 acres (3,000 sqft)
Owner	Individual Name on File
Last Sale	$360,000 (Jan 2019)
Tax Bill	$4,461 (2025)
Deeds & Mortgages	May 2020 Second Mortgage Dec 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`165-394-22-00`

Property Details

APN / Parcel Number

Primary APN	`165-394-22-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	827 sqft Living Area

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Lot Area	3,000 sqft (0.69 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	3181 CORAL DR
City	OCEANSIDE
State	CA
Zip	92056-3929
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-A
Legal Description	LOT 185 TR 006997
Legal Subdivision	COSTA SERENA
Legal Tract	006997
Legal Block	3
Legal Lot Number	185
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3004
Census Tract	18517

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	Individual Name on File
Mailing Address	3181 CORAL DR, OCEANSIDE, CA 92056-3929
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 15, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SCHOOLSFIRST FCU
Dec 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Dec 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage OPTIMUM FIRST INC
Jan 10, 2019	Grant Deed, Transfer · Conventional Mortgage LENDUS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 10, 2019 · Amount on File
Deed Sale	Jan 10, 2019 · Amount on File
Prior Sale	Aug 9, 2012 · Amount on File
Deed Document Number	201910342
Prior Transfer Date	Oct 26, 2000
Prior Transfer Doc	0000011800
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3181 CORAL DR, OCEANSIDE, CA 92056-3929
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000246975
Date	May 15, 2020
Instrument	2020-0246975

Lender

Name	SCHOOLSFIRST FCU
Type	Credit Union
Address	TUSTIN, CA 92780

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 15, 2035

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3181 CORAL DR, OCEANSIDE, CA 92056-3929
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE CONNECT INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3181 CORAL DR, OCEANSIDE, CA 92056-3929

Mortgage

Document Number	0000779941
Date	Dec 7, 2020
Instrument	2020-0779941

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3181 CORAL DR, OCEANSIDE, CA 92056-3929
Document Number	0000613266
Instrument Date	Dec 23, 2019
Transaction Type	Mortgage
Record Updated	Jan 10, 2020
Title Company	WFG NATIONAL TITLE COMPANY, WFG NAT'L TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3181 CORAL DR OCEANSIDE CA 920563929, OCEANSIDE, CA 92056-3929

Mortgage

Document Number	0000613266
Date	Dec 30, 2019
Instrument	613266

Lender

Name	OPTIMUM FIRST INC
Address	FOUNTAIN VALLEY, CA 92708

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 29, 2049

January 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 10, 2019
Property Address	3181 CORAL DR, OCEANSIDE, CA 92056-3929
Document Number	0000010342
Map Reference	MAP 6997
Instrument Date	Dec 10, 2018
Instrument	2019-0010342
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
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
Address	3181 CORAL DR, OCEANSIDE, CA 92056-3929

Mortgage

Document Number	0000010343
Date	Jan 10, 2019
Instrument	2019-0010343

Lender

Name	LENDUS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2049

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		$409,611 (+2%) Land $189,054 Building $220,557
2025	$4,461.00 (+5.26%) Homeowner's exemption	$401,581 (+4.04%) Land $185,348 Building $216,233
2023	$4,238.00 (+1.56%) Homeowner's exemption	$385,989 Land $178,151 Building $207,838
2022	$4,173.00

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	1 in force

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	La Jolla Western tribal government · serves 296 people · EPA ID 090605008
Water Source	Groundwater
Last State Inspection	Apr 2021
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	None last 10 years
Monitoring and Reporting	1 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 544 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
AT&T Fixed Wireless · DSL	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks.

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