3270 Pearl Ln, Oceanside, CA 92056 Property Records

San Diego County property record for 3270 Pearl Ln, Oceanside, CA 92056

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 827 sqft · built 1972
Lot Size	0.71 acres (3,100 sqft)
Owner	2 Company Names on Record
Last Sale	$550,000 (Dec 2024)
Tax Bill	$6,198 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Jan 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`165-383-36-00`

Property Details

APN / Parcel Number

Primary APN	`165-383-36-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	827 sqft Living Area

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Lot Area	3,100 sqft (0.71 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	3270 PEARL LN
City	OCEANSIDE
State	CA
Zip	92056-4114
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-A
Legal Description	LOT 72 DOC243412REC71 IN TR 006940
Legal Subdivision	COSTA SERENA
Legal Tract	006940
Legal Block	3
Legal Lot Number	72
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3000
Census Tract	18517

Owner

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

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

Owner of Record	2 Company Names on Record
Mailing Address	1539 TEMPLE HEIGHTS DR, OCEANSIDE, CA 92056-3004
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Oct 12, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
Jan 27, 2020	Deed of Trust, Mortgage · FHA Mortgage WEST ONE CAPITAL GROUP INC
Feb 19, 2019	Grant Deed, Transfer · FHA Mortgage AMERICAN PACIFIC MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 3, 2024 · Amount on Record
Deed Sale	Dec 3, 2024 · Amount on Record
Prior Sale	Feb 19, 2019 · Amount on Record
Deed Document Number	2024334736
Prior Transfer Date	Nov 12, 1996
Prior Transfer Doc	0000005454
Record Updated	Oct 29, 2026

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 12, 2021
Property Address	3270 PEARL LN, OCEANSIDE, CA 92056-4114
Document Number	0000711507
Map Reference	MAP 6940
Instrument Date	Oct 8, 2021
Instrument	2021-0711507
Transaction Type	Transfer
Record Updated	Oct 27, 2021
Title Company	CHICAGO TITLE COMPANY-SD, CHICAGO TITLE COMPANY SD

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
Relationship	Joint Tenants
Address	13520 BRETT HARTE DR, LAKESIDE, CA 92040-3417

Mortgage

Document Number	0000711508
Date	Oct 12, 2021
Instrument	2021-0711508

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3270 PEARL LN, OCEANSIDE, CA 92056-4114
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	USA NATIONAL TITLE CO INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000042359
Date	Jan 27, 2020
Instrument	2020-0042359

Lender

Name	WEST ONE CAPITAL GROUP INC
Type	Non-Lending Institution
Address	NEWPORT BEACH, CA 92660

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

February 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 19, 2019
Property Address	3270 PEARL LN, OCEANSIDE, CA 92056-4114
Document Number	0000058416
Map Reference	MAP 6940
Instrument Date	Jan 3, 2019
Instrument	2019-0058416
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN 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
Address	3270 PEARL LN, OCEANSIDE, CA 92056-4114

Mortgage

Document Number	0000058417
Date	Feb 19, 2019
Instrument	2019-0058417

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 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		$560,999 (+2%) Land $318,755 Building $242,244
2025	$6,198.00 (+45.63%)	$550,000 (+44.5%) Land $312,505 Building $237,495
2023	$4,256.00 (+1.53%)	$380,627 Land $216,269 Building $164,358
2022	$4,192.00

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 99.1% of the US · lower than 99.2% 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 544 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
Starlink Satellite	280 / 30
AT&T Fixed Wireless · DSL	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks.

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