323 del Flora St, Oceanside, CA 92058 Property Records

San Diego County property record for 323 del Flora St, Oceanside, CA 92058

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,723 sqft · built 1999
Lot Size	0.163 acres (7,094 sqft)
Owner	2 Individual Names on Record
Last Sale	$562,500 (Apr 2019)
Tax Bill	$6,983 (2025)
Deeds & Mortgages	Oct 2021 Second Mortgage Jul 2017 Line of Credit + 2 more
Flood Zone	Zone X (moderate risk)
APN	`157-880-71-00`

Property Details

APN / Parcel Number

Primary APN	`157-880-71-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,723 sqft Living Area

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Lot Area	7,094 sqft (0.163 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	323 DEL FLORA ST
City	OCEANSIDE
State	CA
Zip	92058-7958
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 69 TR 013468
Legal Subdivision	OCEANSIDE 1
Legal Tract	013468
Legal Block	2
Legal Lot Number	69
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2004
Census Tract	18613

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	323 DEL FLORA ST, OCEANSIDE, CA 92058-7958
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MY POINT CU SD
Jul 10, 2017	Deed of Trust, Mortgage · Line of Credit US BANK NA
Dec 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage MUTUAL OF OMAHA MORTGAGE INC
Apr 26, 2019	Grant Deed, Transfer · Conventional Mortgage SCHOOLSFIRST FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 26, 2019 · Amount on Record
Deed Sale	Apr 26, 2019 · Amount on Record
Prior Sale	Jun 18, 2015 · Amount on Record
Deed Document Number	2019154114
Prior Transfer Date	Oct 9, 1998
Prior Transfer Doc	0000688211
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	323 DEL FLORA ST, OCEANSIDE, CA 92058-7958
Transaction Type	Mortgage
Record Updated	Oct 29, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	323 DEL FLORA ST, OCEANSIDE, CA 92058-7958

Mortgage

Document Number	0000724658
Date	Oct 19, 2021
Instrument	2021-0724658

Lender

Name	MY POINT CU SD
Type	Credit Union
Address	SAN DIEGO, CA 92123

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2036

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	323 DEL FLORA ST, OCEANSIDE, CA 92058-7958
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000309461
Date	Jul 10, 2017
Instrument	2017-0309461

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jun 7, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	323 DEL FLORA ST, OCEANSIDE, CA 92058-7958
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	323 DEL FIORA ST, OCEANSIDE, CA 92058-7958

Mortgage

Document Number	0000794669
Date	Dec 10, 2020
Instrument	2020-0794669

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

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

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 26, 2019
Property Address	323 DEL FLORA ST, OCEANSIDE, CA 92058-7958
Document Number	0000154114
Map Reference	MAP 13468
Instrument Date	Mar 19, 2019
Instrument	2019-0154114
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN 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	323 DEL FLORA ST, OCEANSIDE, CA 92058-7958

Mortgage

Document Number	0000154115
Date	Apr 26, 2019
Instrument	2019-0154115

Lender

Name	SCHOOLSFIRST FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 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		$639,794 (+2%) Land $346,463 Building $293,331
2025	$6,983.00 (+5.23%) Homeowner's exemption	$627,250 (+4.04%) Land $339,670 Building $287,580
2023	$6,636.00 (+1.56%) Homeowner's exemption	$602,895 Land $326,481 Building $276,414
2022	$6,534.00

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	59 units insured incl. 54 condo units
Nearby Flood Claims	1 (1983)
Most Recent Claim	May 1983 · rainfall accumulation

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	Moderate above 51% of the US · lower than 70% of California
Wildfire Likelihood	0.1% 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 523 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
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: San Diego Broadband, T-Mobile.

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