324 Garfield St, Oceanside, CA 92054 Property Records

San Diego County property record for 324 Garfield St, Oceanside, CA 92054

Property Summary

Property Type	Multi-Family Dwellings
Details	6 bd · 4.5 ba · 2,152 sqft · built 1960
Lot Size	0.116 acres (5,043 sqft)
Owner	Individual Name on File
Last Sale	$800,000 (Nov 2020)
Tax Bill	$10,092 (2025)
Deeds & Mortgages	Oct 2025 Transfer May 2018 Second Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`150-245-02-00`

Property Details

APN / Parcel Number

Primary APN	`150-245-02-00`
Alternative APN	`1501541400`

Interior

Bedrooms	6 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Units	3 Units
Building Area	2,152 sqft Living Area
Gross Area	1,868 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Multi-Family
Lot Area	5,043 sqft (0.116 acres)

Location & Zoning

Old Parcel Number	1501541400
Street Address	324 GARFIELD ST
City	OCEANSIDE
State	CA
Zip	92054-3209
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	RS
Legal Description	BLK 3 LOT 19 /EXC HWY OP/ TR 000250
Legal Subdivision	GASTON & CHAPMANS SUB
Legal Tract	000250
Legal Block	3
Legal Lot Number	19
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2000
Census Tract	18202

Owner

324 Garfield St, a residential property, is owned by an individual who bought it in November 2020.

Source: San Diego County records, as of July 28, 2026

Owner of Record	Individual Name on File
Mailing Address	4154 CORTE DE LA SIENA, SAN DIEGO, CA 92130-2106
Owner Type	Individual
Vesting	Unmarried Woman

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
Oct 31, 2025	Intrafamily Transfer, Transfer
May 23, 2018	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SAN DIEGO COUNTY CU
Nov 30, 2020	Grant Deed, Transfer · Conventional Mortgage HOMEOWNERS FINANCIAL GROUP USA LLC
Dec 23, 2019	Deed of Trust, Mortgage · Conventional with PMI ORION LNDG
Dec 20, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 30, 2020 · Amount on File
Deed Sale	Nov 30, 2020 · Amount on File
Prior Sale	Feb 6, 2014 · Amount on File
Deed Document Number	2020760235
Prior Transfer Date	Dec 18, 2019
Prior Transfer Doc	0000597952
Record Updated	Oct 29, 2026

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 31, 2025
Property Address	324 GARFIELD ST, OCEANSIDE, CA 92054-3209
Document Number	0000306801
Map Reference	MAP 250
Instrument Date	Oct 28, 2025
Instrument	2025-0306801
Transaction Type	Transfer
Record Updated	Nov 12, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4154 CORTE DE LA SIENA, SAN DIEGO, CA 92130-2106

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	324 GARFIELD ST, OCEANSIDE, CA 92054-3209
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000208767
Date	May 23, 2018
Instrument	2018-0208767

Lender

Name	SAN DIEGO COUNTY CU
Type	Credit Union
Address	SAN DIEGO, CA 92196

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Jun 1, 2028

November 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 30, 2020
Property Address	324 GARFIELD ST, OCEANSIDE, CA 92054-3209
Document Number	0000760235
Map Reference	MAP 250
Instrument Date	Oct 27, 2020
Instrument	2020-0760235
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	LAWYERS TITLE COMPANY

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
Relationship	Joint Tenants

Mortgage

Document Number	0000760236
Date	Nov 30, 2020
Instrument	2020-0760236

Lender

Name	HOMEOWNERS FINANCIAL GROUP USA LLC
Type	Mortgage Company

Agreement

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

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	324 GARFIELD ST, OCEANSIDE, CA 92054-3209
Document Number	0000612227
Instrument Date	Dec 23, 2019
Transaction Type	Mortgage
Record Updated	Jan 10, 2020
Title Company	STEWART TITLE, STEWART TITLE/CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	324 GARFIELD ST OCEANSIDE CA 920543209, OCEANSIDE, CA 92054-3209

Mortgage

Document Number	0000612227
Date	Dec 30, 2019
Instrument	612227

Lender

Name	ORION LNDG
Address	ORANGE, CA 92868

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Dec 29, 2049

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 20, 2019
Property Address	324 GARFIELD ST, OCEANSIDE, CA 92054-3209
Document Number	0000597952
Instrument Date	Dec 18, 2019
Instrument	597952
Transaction Type	Transfer
Record Updated	Jan 3, 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	Joint Tenants with Right of Survivorship
Address	324 GARFIELD ST OCEANSIDE CA 920543209, OCEANSIDE, CA 92054-3209

Tax Assessment & Valuation

The 2025 property tax bill for 324 Garfield St was $10,092.

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		$921,463 (+2%) Land $529,958 Building $391,505
2025	$10,092.00 Homeowner's exemption	$903,396 Land $519,567 Building $383,829
2023	$9,591.00 (+6%) Homeowner's exemption	$868,318 (+6.41%) Land $499,393 Building $368,925
2022	$9,048.00	$815,999 Land $489,601 Building $326,398

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

Flood

FEMA maps place 324 Garfield St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 3, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 324 Garfield St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land 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	Arviso - Mobile Home Park private · serves 70 people · EPA ID 090605121
Water Source	Groundwater
Last State Inspection	Feb 2026
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	Coliform assessment Dec 2019
Monitoring and Reporting	26 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 409 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: GeoLinks, T-Mobile.

Nearby Properties on Garfield St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures