3221 San Tomas Dr, Oceanside, CA 92056 Property Records

San Diego County property record for 3221 San Tomas Dr, Oceanside, CA 92056

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,350 sqft · built 1990
Lot Size	0.9 acres (3,936 sqft)
Owner	2 Individual Names on Record
Last Sale	$950,000 (Jun 2023)
Tax Bill	$11,541 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Jun 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`165-692-24-00`

Property Details

APN / Parcel Number

Primary APN	`165-692-24-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Building Area	2,350 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Mediterranean
Lot Area	3,936 sqft (0.9 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	3221 SAN TOMAS DR
City	OCEANSIDE
State	CA
Zip	92056-3243
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD-2
Legal Description	LOT 24 TR 012174
Legal Subdivision	DEL ORO HILLS
Legal Tract	012174
Legal Block	3
Legal Lot Number	24
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3004
Census Tract	18515

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	3221 SAN TOMAS DR, OCEANSIDE, CA 92056-3243
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2026	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Jun 22, 2023	Grant Deed, Transfer · Conventional Mortgage US BANK NA
Apr 30, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 22, 2023 · Amount on Record
Deed Sale	Jun 22, 2023 · Amount on Record
Prior Sale	Aug 13, 1997 · Amount on Record
Deed Document Number	2023163700
Prior Transfer Date	May 29, 1997
Prior Transfer Doc	0000259169
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3221 SAN TOMAS DR, OCEANSIDE, CA 92056-3243
Transaction Type	Mortgage
Record Updated	Apr 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3221 SAN TOMAS DR, OCEANSIDE, CA 92056-3243

Mortgage

Document Number	0000079482
Date	Mar 24, 2026
Instrument	2026-0079482

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2041

June 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 22, 2023
Property Address	3221 SAN TOMAS DR, OCEANSIDE, CA 92056-3243
Document Number	0000163700
Map Reference	MAP 12174
Instrument Date	May 31, 2023
Instrument	2023-0163700
Transaction Type	Transfer
Record Updated	Jul 3, 2023
Title Company	TICOR TITLE COMPANY/CA SAN DIEGO, TICOR TITLE CO 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	Community Property with Right of Survivorship
Address	3221 SAN TOMAS DR, OCEANSIDE, CA 92056-3243

Mortgage

Document Number	0000163701
Date	Jun 22, 2023
Instrument	2023-0163701

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Type Change Date	Jul 1, 2030
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	11%
Index	1-Year T-Bill
Max Rate	11%

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 30, 2020
Property Address	3221 SAN TOMAS DR, OCEANSIDE, CA 92056-3243
Document Number	0000221379
Instrument Date	Apr 7, 2020
Instrument	221379
Transaction Type	Transfer
Record Updated	May 11, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3221 SAN TOMAS DR OCEANSIDE CA 920563243, OCEANSIDE, CA 92056-3243

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		$1,008,147 (+2%) Land $742,845 Building $265,302
2025	$11,541.00 (+1.86%)	$988,380 (+255.83%) Land $728,280 Building $260,100
2024	$11,330.00 (+224.92%)
2023	$3,487.00 (+1.4%) Homeowner's exemption	$277,766 (+2%) Land $60,049 Building $217,717
2022	$3,439.00 Homeowner's exemption	$272,321 Land $58,872 Building $213,449

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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	Low lower than 99.8% of the US · lower than 99.8% 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	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 522 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: FiberFirst, GeoLinks, Verizon.

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