3278 San Tomas Dr, Oceanside, CA 92056 Property Records

San Diego County property record for 3278 San Tomas Dr, Oceanside, CA 92056

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,350 sqft · built 1990
Lot Size	0.91 acres (3,945 sqft)
Owner	2 Company Names on Record
Last Sale	$597,000 (Sep 2015)
Tax Bill	$8,394 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit Jun 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`165-692-71-00`

Property Details

APN / Parcel Number

Primary APN	`165-692-71-00`

Interior

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

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Lot Area	3,945 sqft (0.91 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	3278 SAN TOMAS DR
City	OCEANSIDE
State	CA
Zip	92056-3247
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD-2
Legal Description	LOT 146 TR 012174
Legal Subdivision	DEL ORO HILLS
Legal Tract	012174
Legal Block	3
Legal Lot Number	146
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 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 Company Names on Record
Mailing Address	3278 SAN TOMAS DR, OCEANSIDE, CA 92056-3247
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2024	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Jun 14, 2017	Deed of Trust, Mortgage · ARM MUFG UNION BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 24, 2015 · Amount on Record
Deed Sale	Sep 24, 2015 · Amount on Record
Prior Sale	May 18, 1989 · Amount on Record
Deed Document Number	2015504814
Last Transfer Date	May 2, 2025
Transfer Doc	0000117158
Record Updated	Sep 20, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3278 SAN TOMAS DR, OCEANSIDE, CA 92056-3247
Transaction Type	Mortgage
Record Updated	May 3, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3278 SAN TOMAS DR, OCEANSIDE, CA 92056-3247

Mortgage

Document Number	0000100371
Date	Apr 23, 2024
Instrument	2024-0100371

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 22, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3278 SAN TOMAS DR, OCEANSIDE, CA 92056-3247
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000267682
Date	Jun 14, 2017
Instrument	2017-0267682

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Jul 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.87%
Index	1-Year LIBOR
Max Rate	9.87%

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		$720,852 (+2%) Land $210,968 Building $509,884
2025	$8,394.00 (+4.89%)	$706,719 (+4.04%) Land $206,832 Building $499,887
2023	$8,003.00 (+1.45%)	$679,278 Land $198,801 Building $480,477
2022	$7,889.00

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.

Nearby Properties on San Tomas Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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