3271 Pearl Ln, Oceanside, CA 92056 Property Records

San Diego County property record for 3271 Pearl Ln, Oceanside, CA 92056

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 938 sqft · built 1983
Lot Size	0.85 acres (3,700 sqft)
Owner	2 Individual Names on Record
Last Sale	$332,000 (Jul 2018)
Tax Bill	$4,294 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Feb 2020 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`165-383-34-00`

Property Details

APN / Parcel Number

Primary APN	`165-383-34-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	938 sqft Living Area

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Lot Area	3,700 sqft (0.85 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	3271 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 79 DOC216801REC71 IN TR 006940
Legal Subdivision	COSTA SERENA
Legal Tract	006940
Legal Block	3
Legal Lot Number	79
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 21, 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	3271 PEARL LN, OCEANSIDE, CA 92056-4114
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Feb 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage AXIA FINANCIAL LLC
Feb 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Jul 27, 2018	Affidavit of Death, Transfer STEWART TITLE
Jul 27, 2018	Grant Deed, Transfer · Conventional Mortgage HOMESERVICES LNDG
Jul 27, 2018	Quit Claim Deed, Transfer STEWART TITLE
Apr 2, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2018 · Amount on Record
Deed Sale	Jul 27, 2018 · Amount on Record
Prior Sale	Dec 23, 2004 · Amount on Record
Deed Document Number	2018306155
Prior Transfer Date	Dec 20, 2004
Prior Transfer Doc	0001210894
Record Updated	Sep 20, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3271 PEARL LN, OCEANSIDE, CA 92056-4114
Transaction Type	Mortgage
Record Updated	Mar 9, 2022
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3271 PEARL LN, OCEANSIDE, CA 92056-4114

Mortgage

Document Number	0000089257
Date	Feb 28, 2022
Instrument	2022-0089257

Lender

Name	AXIA FINANCIAL LLC
Type	Mortgage Company
Address	BELLEVUE, WA 98004

Agreement

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

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3271 PEARL LN, OCEANSIDE, CA 92056-4114
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000065171
Date	Feb 7, 2020
Instrument	2020-0065171

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MELVILLE, NY 11747

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

July 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 27, 2018
Property Address	3271 PEARL LN, OCEANSIDE, CA 92056-4114
Document Number	0000306153
Instrument Date	Jul 20, 2018
Instrument	306153
Transaction Type	Transfer
Record Updated	Aug 3, 2018
Title Company	STEWART TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	51 ZINNIA ST LADERA RANCH CA 926940844, LADERA RANCH, CA 92694-0844

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 27, 2018
Property Address	3271 PEARL LN, OCEANSIDE, CA 92056-4114
Document Number	0000306155
Instrument Date	Jul 6, 2018
Instrument	306155
Transaction Type	Transfer
Record Updated	Aug 3, 2018
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$365.20
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	3271 PEARL LN OCEANSIDE CA 920564114, OCEANSIDE, CA 92056-4114

Mortgage

Document Number	306156
Date	Jul 27, 2018
Instrument	306156

Lender

Name	HOMESERVICES LNDG
Address	WEST DES MOINES, IA 50266

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 26, 2048

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 27, 2018
Property Address	3271 PEARL LN, OCEANSIDE, CA 92056-4114
Document Number	0000306154
Instrument Date	Jul 6, 2018
Instrument	306154
Transaction Type	Transfer
Record Updated	Aug 3, 2018
Title Company	STEWART TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	51 ZINNIA ST LADERA RANCH CA 926940844, LADERA RANCH, CA 92694-0844

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 2, 2018
Property Address	3271 PEARL LN, OCEANSIDE, CA 92056-4114
Document Number	0000127389
Instrument Date	Mar 31, 2018
Instrument	127389
Transaction Type	Transfer
Record Updated	Apr 6, 2018

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	51 ZINNIA ST LADERA RANCH CA 926940844, LADERA RANCH, CA 92694-0844

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 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		$387,233 (+2%) Land $93,032 Building $294,201
2025	$4,294.00 (+5.17%)	$379,641 (+4.04%) Land $91,208 Building $288,433
2023	$4,083.00 (+1.54%)	$364,901 Land $87,667 Building $277,234
2022	$4,021.00

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	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	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 380 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
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Spectrum, T-Mobile.

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