3227 San Tomas Dr, Oceanside, CA 92056 Property Records

San Diego County property record for 3227 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	0.89 acres (3,858 sqft)
Owner	2 Individual Names on Record
Last Sale	$990,000 (Feb 2026)
Tax Bill	$11,064 (2025)
Deeds & Mortgages	Feb 2026 Sale & Mortgage Dec 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`165-692-22-00`

Property Details

APN / Parcel Number

Primary APN	`165-692-22-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,350 sqft Living Area

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Lot Area	3,858 sqft (0.89 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	3227 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 22 TR 012174
Legal Subdivision	DEL ORO HILLS
Legal Tract	012174
Legal Block	3
Legal Lot Number	22
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 21, 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	327 SAN TOMAS DR, OCEANSIDE, CA 92056
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2026	Grant Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Dec 27, 2023	Grant Deed, Transfer · Conventional Mortgage ONY GLO INC
Aug 21, 2017	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Aug 24, 2017	Grant Deed, Transfer · Conventional with PMI NAVY FCU
Aug 24, 2017	Quit Claim Deed, Transfer FIDELITY NATIONAL TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 17, 2026 · Amount on Record
Deed Sale	Feb 17, 2026 · Amount on Record
Prior Sale	Dec 27, 2023 · Amount on Record
Deed Document Number	202642626
Prior Transfer Date	Aug 7, 2017
Prior Transfer Doc	0000388872
Record Updated	Sep 20, 2026

February 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 17, 2026
Property Address	3227 SAN TOMAS DR, OCEANSIDE, CA 92056-3243
Document Number	0000042626
Map Reference	MAP 12174
Instrument Date	Feb 5, 2026
Instrument	2026-0042626
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	LAWYERS TITLE

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	327 SAN DIMAS AVE, OCEANSIDE, CA 92057-7202

Mortgage

Document Number	0000042627
Date	Feb 17, 2026
Instrument	2026-0042627

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

December 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 27, 2023
Property Address	3227 SAN TOMAS DR, OCEANSIDE, CA 92056-3243
Document Number	0000353611
Map Reference	MAP 12174
Instrument Date	Dec 1, 2023
Instrument	2023-0353611
Transaction Type	Transfer
Record Updated	Jan 5, 2024
Title Company	CHICAGO TITLE COMPANY

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	Family Revocable Trust
Address	3227 SAN TOMAS DR, OCEANSIDE, CA 92056-3243

Mortgage

Document Number	0000353612
Date	Dec 27, 2023
Instrument	2023-0353612

Lender

Name	ONY GLO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3227 SAN TOMAS DR, OCEANSIDE, CA 92056-3243
Document Number	0000057045
Instrument Date	Aug 21, 2017
Transaction Type	Mortgage
Record Updated	Feb 26, 2019
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3227 SAN TOMAS DR OCEANSIDE CA 920563243, OCEANSIDE, CA 92056-3243

Mortgage

Document Number	0000057045
Date	Feb 19, 2019
Instrument	57045

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	156 Months
Due	Feb 18, 2032

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 24, 2017
Property Address	3227 SAN TOMAS DR, OCEANSIDE, CA 92056-3243
Document Number	0000388873
Instrument Date	Aug 7, 2017
Instrument	388873
Transaction Type	Transfer
Record Updated	Aug 30, 2017
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$621.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3227 SAN TOMAS DR OCEANSIDE CA 920563243, OCEANSIDE, CA 92056-3243

Mortgage

Document Number	388874
Date	Aug 24, 2017
Instrument	388874

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Aug 23, 2032

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 24, 2017
Property Address	3227 SAN TOMAS DR, OCEANSIDE, CA 92056-3243
Document Number	0000388872
Instrument Date	Aug 7, 2017
Instrument	388872
Transaction Type	Transfer
Record Updated	Aug 30, 2017
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	15875 SW 51ST ST MIRAMAR FL 330274976, MIRAMAR, FL 33027-4976

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 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		$971,733 (+2%) Land $676,260 Building $295,473
2025	$11,064.00 (+1.14%) Homeowner's exemption	$952,680 (+54.18%) Land $663,000 Building $289,680
2024	$10,939.00 (+50.95%)
2023	$7,247.00 (+1.46%) Homeowner's exemption	$617,905 Land $167,341 Building $450,564
2022	$7,143.00

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	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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