San Diego County property record for 326 Cole Way, Oceanside, CA 92054
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 3,301 sqft · built 2006 |
| Lot Size | 0.312 acres (13,605 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $8,997 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage Feb 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 151-310-47-00 |
| Primary APN | 151-310-47-00 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 3,301 sqft Living Area |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Lot Area | 13,605 sqft (0.312 acres) |
| Parking Spaces | 3 Parking Spaces |
| Street Address | 326 COLE WAY |
|---|---|
| City | OCEANSIDE |
| State | CA |
| Zip | 92054-5671 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RE-B |
| Legal Description | LOT 1 TR 012977 |
| Legal Subdivision | OCEANSIDE TERRACE |
| Legal Tract | 012977 |
| Legal Block | 1 |
| Legal Lot Number | 1 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | OCEANSIDE-ESCONDIDO |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 18504 |
326 Cole Way is owned and occupied by two individuals who acquired it in May 2008.
Source: San Diego County records, as of July 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 326 COLE WAY, OCEANSIDE, CA 92054-5671 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 6, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Feb 5, 2020 | Deed of Trust, Mortgage · Conventional Mortgage OWNING CORPORATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | May 5, 2008 |
| Transfer Doc | 0000270912 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 326 COLE WAY, OCEANSIDE, CA 92054-5671 |
| Transaction Type | Mortgage |
| Record Updated | Oct 14, 2021 |
| Title Company | AMERICAN SW TITLE, AMERICAN COAST TITLE |
| Name | Verified Name |
|---|---|
| Address | 326 COLE WAY, OCEANSIDE, CA 92054-5671 |
| Document Number | 0000697726 |
|---|---|
| Date | Oct 6, 2021 |
| Instrument | 2021-0697726 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 326 COLE WAY, OCEANSIDE, CA 92054-5671 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ORANGE COAST TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000058470 |
|---|---|
| Date | Feb 5, 2020 |
| Instrument | 2020-0058470 |
| Name | OWNING CORPORATION |
|---|---|
| Type | Non-Lending Institution |
| Address | ORANGE, CA 92868 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2050 |
The 2025 property tax bill for 326 Cole Way was $8,997 with a homeowner's exemption.
Source: San Diego County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Municipality | Oceanside City |
| Unified School District | Oceanside Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $823,642 (+2%) Land $208,688 Building $614,954 | |
| 2025 | $8,997.00 Homeowner's exemption | $807,494 Land $204,597 Building $602,897 |
| 2023 | $8,551.00 (+1.54%) Homeowner's exemption | $776,140 Land $196,653 Building $579,487 |
| 2022 | $8,421.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 326 Cole Way 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 |
| Flood Insurance Cost | Premium on File median of 16 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 16 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 risk around 326 Cole Way 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 98% of the US · lower than 98.4% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 153 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
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