3254 San Tomas Dr, Oceanside, CA 92056 Property Records

San Diego County property record for 3254 San Tomas Dr, Oceanside, CA 92056

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,350 sqft · built 1989
Lot Size	0.94 acres (4,113 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,130,000 (Apr 2022)
Tax Bill	$13,941 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Mar 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`165-692-65-00`

Property Details

APN / Parcel Number

Primary APN	`165-692-65-00`

Interior

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

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Lot Area	4,113 sqft (0.94 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	3254 SAN TOMAS DR
City	OCEANSIDE
State	CA
Zip	92056-3245
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD-2
Legal Description	LOT 140 TR 012174
Legal Subdivision	DEL ORO HILLS
Legal Tract	012174
Legal Block	3
Legal Lot Number	140
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3003
Census Tract	18515

Owner

Source: San Diego County records, as of October 12, 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	3254 SAN TOMAS DR, OCEANSIDE, CA 92056-3245
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2022	Grant Deed, Subdivision Related Transfer · Conventional Mortgage CELEBRITY HOME LOANS LLC
Mar 22, 2022	Deed of Trust, Mortgage · Commercial Mortgage JOE AND NANCY BONCE
Feb 24, 2022	Grant Deed, Construction Loan · Construction Mortgage KIAVI FUNDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 29, 2022 · Amount on Record
Deed Sale	Apr 29, 2022 · Amount on Record
Prior Sale	Feb 24, 2022 · Amount on Record
Deed Document Number	2022188052
Prior Transfer Date	Dec 11, 2003
Prior Transfer Doc	0001476983
Record Updated	Oct 29, 2026

April 2022: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 29, 2022
Property Address	3254 SAN TOMAS DR, OCEANSIDE, CA 92056-3245
Document Number	0000188052
Map Reference	MAP 12174
Instrument Date	Apr 18, 2022
Instrument	2022-0188052
Transaction Type	Subdivision Related Transfer
Record Updated	May 6, 2022
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS 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	Community Property
Address	3254 SAN TOMAS DR, OCEANSIDE, CA 92056-3245

Mortgage

Document Number	0000188053
Date	Apr 29, 2022
Instrument	2022-0188053

Lender

Name	CELEBRITY HOME LOANS LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	May 1, 2029
Change Frequency	Annually
Min Rate At Change	2.87%
Max Rate At Change	5.5%
Index	11th District COF
Max Rate	8.5%

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3254 SAN TOMAS DR, OCEANSIDE, CA 92056-3245
Transaction Type	Mortgage
Record Updated	Apr 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4142 ADAMS AVE 103, 103, SAN DIEGO, CA 92116-2594

Mortgage

Document Number	0000126033
Date	Mar 22, 2022
Instrument	2022-0126033

Lender

Name	JOE AND NANCY BONCE
Type	Private Party
Address	4960 GAYLORD DR, OWINGS MILLS, MD 21117

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

February 2022: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 24, 2022
Property Address	3254 SAN TOMAS DR, OCEANSIDE, CA 92056-3245
Document Number	0000084873
Map Reference	MAP 12174
Instrument Date	Jan 28, 2022
Instrument	2022-0084873
Transaction Type	Construction Loan
Record Updated	Mar 2, 2022
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

Transaction

Amount	Amount Recorded
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	4142 ADAMS AVE STE 103, 103, SAN DIEGO, CA 92116-2594

Mortgage

Document Number	0000084874
Date	Feb 24, 2022
Instrument	2022-0084874

Lender

Name	KIAVI FUNDING INC
Type	Mortgage Company

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

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		$1,223,147 (+2%) Land $725,229 Building $497,918
2025	$13,941.00 (+16.06%)	$1,199,164 (+15.53%) Land $711,009 Building $488,155
2023	$12,012.00 (+64.8%)	$1,038,000 Land $615,000 Building $423,000
2022	$7,289.00

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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