3280 Pearl Ln, Oceanside, CA 92056 Property Records

San Diego County property record for 3280 Pearl Ln, Oceanside, CA 92056

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 899 sqft · built 1972
Lot Size	0.96 acres (4,200 sqft)
Owner	Company Name on Record
Last Sale	$272,000 (Dec 2014)
Tax Bill	$3,627 (2025)
Deeds & Mortgages	Sep 2021 Transfer Jun 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`165-375-23-00`

Property Details

APN / Parcel Number

Primary APN	`165-375-23-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	899 sqft Living Area

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Lot Area	4,200 sqft (0.96 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	3280 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 8 TR 006892
Legal Subdivision	COSTA SERENA
Legal Tract	006892
Legal Block	3
Legal Lot Number	8
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	3280 PEARL LN, OCEANSIDE, CA 92056-4114
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 7, 2021	Intrafamily Transfer, Transfer
Jun 13, 2019	Deed of Trust, Mortgage · VA Mortgage AMERICAN PACIFIC MORTGAGE CORP
Mar 30, 2020	Deed of Trust, Mortgage · VA Mortgage AMERICAN PACIFIC MORTGAGE CORP
Jan 21, 2021	Deed of Trust, Mortgage · VA Mortgage AMERICAN PACIFIC MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 4, 2014 · Amount on Record
Deed Sale	Dec 4, 2014 · Amount on Record
Prior Sale	Aug 31, 2001 · Amount on Record
Deed Document Number	2014531834
Last Transfer Date	Sep 7, 2021
Transfer Doc	0000632023
Record Updated	Sep 20, 2026

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 7, 2021
Property Address	3280 PEARL LN, OCEANSIDE, CA 92056-4114
Document Number	0000632023
Map Reference	MAP 6892
Instrument Date	Sep 7, 2021
Instrument	2021-0632023
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	Living Trust
Address	3280 PEARL LN, OCEANSIDE, CA 92056-4114

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3280 PEARL LN, OCEANSIDE, CA 92056-4114
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000230992
Date	Jun 13, 2019
Instrument	2019-0230992

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3280 PEARL LN, OCEANSIDE, CA 92056-4114
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000162940
Date	Mar 30, 2020
Instrument	2020-0162940

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3280 PEARL LN, OCEANSIDE, CA 92056-4114
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATL TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3280 PEARL LN, OCEANSIDE, CA 92056-4114

Mortgage

Document Number	0000047361
Date	Jan 21, 2021
Instrument	2021-0047361

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

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		$333,429 (+2%) Land $185,241 Building $148,188
2025	$3,627.00 (+5.28%) Homeowner's exemption	$326,892 (+4.04%) Land $181,609 Building $145,283
2023	$3,445.00 (+1.59%) Homeowner's exemption	$314,201 Land $174,558 Building $139,643
2022	$3,391.00

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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