San Diego County property record for 3286 San Tomas Dr, Oceanside, CA 92056
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,896 sqft · built 1989 |
| Lot Size | 0.96 acres (4,186 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $297,500 (Apr 2001) |
| Tax Bill | $5,428 (2025) |
| Deeds & Mortgages | Oct 2017 Line of Credit Jan 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 165-692-73-00 |
| Primary APN | 165-692-73-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,896 sqft Living Area |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Lot Area | 4,186 sqft (0.96 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 3286 SAN TOMAS DR |
|---|---|
| City | OCEANSIDE |
| State | CA |
| Zip | 92056-3249 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD-2 |
| Legal Description | LOT 148 TR 012174 |
| Legal Subdivision | DEL ORO HILLS |
| Legal Tract | 012174 |
| Legal Block | 3 |
| Legal Lot Number | 148 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | OCEANSIDE-ESCONDIDO |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 18515 |
3286 San Tomas Dr is owned and occupied by two individuals who acquired it in February 2010.
Source: San Diego County records, as of July 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3286 SAN TOMAS DR, OCEANSIDE, CA 92056-3249 |
| 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 13, 2017 | Deed of Trust, Mortgage · Line of Credit SAN DIEGO COUNTY CU |
| Jan 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 5, 2001 · Amount on File |
| Deed Sale | Apr 5, 2001 · Amount on File |
| Prior Sale | Aug 2, 1989 · Amount on File |
| Deed Document Number | 2001207291 |
| Last Transfer Date | Feb 26, 2010 |
| Transfer Doc | 0000136019 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 3286 SAN TOMAS DR, OCEANSIDE, CA 92056-3249 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | LAWYERS TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000474459 |
|---|---|
| Date | Oct 13, 2017 |
| Instrument | 2017-0474459 |
| Name | SAN DIEGO COUNTY CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Nov 7, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Index | Prime Rate |
| Max Rate | 17.2% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 3286 SAN TOMAS DR, OCEANSIDE, CA 92056-3249 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0000050227 |
|---|---|
| Date | Jan 22, 2021 |
| Instrument | 2021-0050227 |
| Name | PROVIDENT FUNDING ASSOCIATES LP |
|---|---|
| Type | Mortgage Company |
| Address | BURLINGAME, CA 94010 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Dec 1, 2050 |
The 2025 property tax bill for 3286 San Tomas Dr was $5,428 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 | $457,229 (+2%) Land $184,425 Building $272,804 | |
| 2025 | $5,428.00 Homeowner's exemption | $448,264 Land $180,809 Building $267,455 |
| 2023 | $5,179.00 (+1.43%) Homeowner's exemption | $430,859 Land $173,789 Building $257,070 |
| 2022 | $5,106.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 3286 San Tomas Dr 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 |
| 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 risk around 3286 San Tomas Dr 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 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.
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 |
| 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.
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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures