San Diego County property record for 3201 San Tomas Dr, Oceanside, CA 92056
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,618 sqft · built 1990 |
| Lot Size | 0.108 acres (4,717 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $548,000 (Jun 2019) |
| Tax Bill | $7,249 (2025) |
| Deeds & Mortgages | Dec 2023 Mortgage Nov 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 165-692-31-00 |
| Primary APN | 165-692-31-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,618 sqft Living Area |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Lot Area | 4,717 sqft (0.108 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 3201 SAN TOMAS DR |
|---|---|
| City | OCEANSIDE |
| State | CA |
| Zip | 92056-3251 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD-2 |
| Legal Description | LOT 31 TR 012174 |
| Legal Subdivision | DEL ORO HILLS |
| Legal Tract | 012174 |
| Legal Block | 3 |
| Legal Lot Number | 31 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | OCEANSIDE-ESCONDIDO |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 18515 |
Source: San Diego County records, as of July 22, 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 | 3201 SAN TOMAS DR, OCEANSIDE, CA 92056-3251 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
| Date | Document |
|---|---|
| Dec 12, 2023 | Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU |
| Nov 3, 2020 | Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU |
| Jun 17, 2019 | Grant Deed, Transfer · Conventional with PMI NAVY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 17, 2019 · Amount on Record |
| Deed Sale | Jun 17, 2019 · Amount on Record |
| Prior Sale | Jul 23, 1997 · Amount on Record |
| Deed Document Number | 2019235276 |
| Prior Transfer Date | Jul 27, 2015 |
| Prior Transfer Doc | 0000405497 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 3201 SAN TOMAS DR, OCEANSIDE, CA 92056-3251 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2023 |
| Title Company | NAVY FEDERAL TITLE/CALIFORNIA, NAVY FEDERAL TITLE OF CA INC |
| Name | Verified Name |
|---|---|
| Address | 3201 SAN TOMAS DR, OCEANSIDE, CA 92056-3251 |
| Document Number | 0000341487 |
|---|---|
| Date | Dec 12, 2023 |
| Instrument | 2023-0341487 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 324 Months |
| Due | Dec 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 3201 SAN TOMAS DR, OCEANSIDE, CA 92056-3251 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | NAVY FEDERAL TITLE OF CA INC |
| Name | Verified Name |
|---|---|
| Address | 3201 SAN TOMAS DR, OCEANSIDE, CA 92056-3251 |
| Document Number | 0000681095 |
|---|---|
| Date | Nov 3, 2020 |
| Instrument | 2020-0681095 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Jun 17, 2019 |
| Property Address | 3201 SAN TOMAS DR, OCEANSIDE, CA 92056-3251 |
| Document Number | 0000235276 |
| Instrument Date | May 30, 2019 |
| Instrument | 235276 |
| Transaction Type | Transfer |
| Record Updated | Jul 3, 2019 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $602.80 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Address | 3201 SAN TOMAS DR OCEANSIDE CA 920563251, OCEANSIDE, CA 92056-3251 |
| Document Number | 235277 |
|---|---|
| Date | Jun 17, 2019 |
| Instrument | 235277 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 16, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.25% |
Source: San Diego County assessment roll, as of July 21, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Municipality | Oceanside City |
| Unified School District | Oceanside Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $623,524 (+2%) Land $235,287 Building $388,237 | |
| 2025 | $7,249.00 (+4.89%) Homeowner's exemption | $611,299 (+4.04%) Land $230,674 Building $380,625 |
| 2023 | $6,911.00 (+1.45%) Homeowner's exemption | $587,563 Land $221,717 Building $365,846 |
| 2022 | $6,812.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 97.4% of California |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 124 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 DSL · Fiber in parts of the area | 100 / 20 |
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