3231 San Tomas Dr, Oceanside, CA 92056 Property Records

San Diego County property record for 3231 San Tomas Dr, Oceanside, CA 92056

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,896 sqft · built 1990
Lot Size	0.88 acres (3,828 sqft)
Owner	2 Trust Names on File
Last Sale	$559,000 (Oct 2017)
Tax Bill	$7,604 (2025)
Deeds & Mortgages	Sep 2026 Sale Mar 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`165-692-21-00`

Property Details

APN / Parcel Number

Primary APN	`165-692-21-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,896 sqft Living Area

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Lot Area	3,828 sqft (0.88 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	3231 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 21 TR 012174
Legal Subdivision	DEL ORO HILLS
Legal Tract	012174
Legal Block	3
Legal Lot Number	21
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3004
Census Tract	18515

Owner

3231 San Tomas Dr is owner-occupied and held in a trust since October 2017.

Source: San Diego County records, as of October 13, 2026

Owner of Record	2 Trust Names on File
Mailing Address	3231 SAN TOMAS DR, OCEANSIDE, CA 92056-3243
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Mar 23, 2022	Deed of Trust, Mortgage · Conventional Mortgage PHH MORTGAGE SERVICES CORP
Sep 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage OWNING CORPORATION
Nov 2, 2017	Quit Claim Deed, Transfer FIRST AMERICAN TITLE
Oct 31, 2017	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2017 · Amount on File
Deed Sale	Oct 31, 2017 · Amount on File
Prior Sale	Oct 19, 1998 · Amount on File
Deed Document Number	2017508538
Prior Transfer Date	Oct 3, 2017
Prior Transfer Doc	0000511279
Record Updated	Oct 29, 2026

September 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 16, 2026
Property Address	3231 SAN TOMAS DR, OCEANSIDE, CA 92056-3243
Document Number	0000270643
Instrument Date	Aug 5, 2026
Instrument	2026270643
Transaction Type	Transfer
Record Updated	Sep 25, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3231 SAN TOMAS DR, OCEANSIDE, CA 92056-3243

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3231 SAN TOMAS DR, OCEANSIDE, CA 92056-3243
Transaction Type	Mortgage
Record Updated	Apr 4, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3231 SAN TOMAS DR, OCEANSIDE, CA 92056-3243

Mortgage

Document Number	0000128748
Date	Mar 23, 2022
Instrument	2022-0128748

Lender

Name	PHH MORTGAGE SERVICES CORP
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2037

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3231 SAN TOMAS DR, OCEANSIDE, CA 92056-3243
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	BOSTON NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3231 SAN TOMAS DR, OCEANSIDE, CA 92056-3243

Mortgage

Document Number	0000563223
Date	Sep 23, 2020
Instrument	2020-0563223

Lender

Name	OWNING CORPORATION
Type	Non-Lending Institution
Address	ORANGE, CA 92868

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 2, 2017
Property Address	3231 SAN TOMAS DR, OCEANSIDE, CA 92056-3243
Document Number	0000511279
Instrument Date	Oct 31, 2017
Instrument	511279
Transaction Type	Transfer
Record Updated	Nov 7, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	3231 SAN TOMAS DR OCEANSIDE CA 920563243, OCEANSIDE, CA 92056-3243

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 31, 2017
Property Address	3231 SAN TOMAS DR, OCEANSIDE, CA 92056-3243
Document Number	0000508538
Map Reference	MAP12174
Instrument Date	Sep 27, 2017
Instrument	2017-0508538
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	209 SAN LEON, IRVINE, CA 92606-8250

Mortgage

Document Number	0000508539
Date	Oct 31, 2017
Instrument	2017-0508539

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 3231 San Tomas Dr was $7,604.

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		$648,760 (+2%) Land $286,217 Building $362,543
2025	$7,604.00	$636,040 Land $280,605 Building $355,435
2023	$7,252.00 (+1.44%)	$611,343 Land $269,709 Building $341,634
2022	$7,149.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 3231 San Tomas Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 3231 San Tomas Dr is low, with less than a 0.01% annual chance of 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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