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329 Cole Way, Oceanside, CA 92054 Property Records

San Diego County property record for 329 Cole Way, Oceanside, CA 92054

Property Summary

Property TypeSingle Family Home
Details5 bd · 3 ba · 3,301 sqft · built 2006
Lot Size0.332 acres (14,455 sqft)
Owner2 Company Names on Record
Last Sale$1,600,000 (Aug 2024)
Tax Bill$17,853 (2025)
Deeds & MortgagesOct 2025 Mortgage
Nov 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN151-310-49-00

Property Details

APN / Parcel Number

Primary APN151-310-49-00

Interior

Bedrooms5 Beds
Full Baths3 Baths
Building Area3,301 sqft Living Area

Exterior

Year BuiltBuilt 2006
Effective Year BuiltEffective 2006
Lot Area14,455 sqft (0.332 acres)
Parking Spaces3 Parking Spaces

Location & Zoning

Street Address329 COLE WAY
CityOCEANSIDE
StateCA
Zip92054-5671
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRE-B
Legal DescriptionLOT 3 TR 012977
Legal SubdivisionOCEANSIDE TERRACE
Legal Tract012977
Legal Block1
Legal Lot Number3
JurisdictionSAN DIEGO CA
Township / Civil DivisionOCEANSIDE-ESCONDIDO
Census Block Group1
Census Block1002
Census Tract18504

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 Record2 Company Names on Record
Mailing Address329 COLE WAY, OCEANSIDE, CA 92054-5671
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust

Deeds, Mortgages & Sale History

DateDocument
Oct 30, 2025Deed of Trust, Mortgage · Conventional Mortgage
GUARANTEED RATE AFFINITY LLC
Nov 17, 2020Deed of Trust, Mortgage · VA Mortgage
UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 14, 2024 · Amount on Record
Deed SaleAug 14, 2024 · Amount on Record
Prior SaleApr 27, 2016 · Amount on Record
Deed Document Number2024216000
Last Transfer DateSep 28, 2024
Transfer Doc0000301202
Record UpdatedSep 20, 2026

October 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address329 COLE WAY, OCEANSIDE, CA 92054-5671
Transaction TypeMortgage
Record UpdatedNov 12, 2025
Title CompanyEQUITY TITLE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name
Address329 COLE WAY, OCEANSIDE, CA 92054-5671

Mortgage

Document Number0000305628
DateOct 30, 2025
Instrument2025-0305628
Lender
NameGUARANTEED RATE AFFINITY LLC
TypeMortgage Company
AddressCHICAGO, IL 60613
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term241 Months
DueNov 1, 2045

November 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address329 COLE WAY, OCEANSIDE, CA 92054-5671
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address329 COLE WAY, OCEANSIDE, CA 92054-5671

Mortgage

Document Number0000722929
DateNov 17, 2020
Instrument2020-0722929
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressSAN DIEGO, CA 92117
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueDec 1, 2050

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 28, 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySan Diego County
MunicipalityOceanside City
Unified School DistrictOceanside Unified School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed Value
2026$1,632,000 (+2%) Land $999,600 Building $632,400
2025$17,853.00 (+65.49%) Homeowner's exemption$1,600,000 (+63.51%) Land $980,000 Building $620,000
2023$10,788.00 (+1.54%) Homeowner's exemption$978,527 Land $587,117 Building $391,410
2022$10,624.00

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 16 policies
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies16 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 RiskLow
lower than 98% of the US · lower than 98.4% of California
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemArviso - Mobile Home Park
private · serves 70 people · EPA ID 090605121
Water SourceGroundwater
Last State InspectionFeb 2026
Also Mapped HereSAN DIEGO COUNTY WATER AUTHORITY, CITY OF OCEANSIDE
LeadBelow detection (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureColiform assessment
Dec 2019
Monitoring and Reporting26
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 153 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Cox Communications
Cable · Fiber in parts of the area		2,000 / 100
Verizon
Fixed Wireless		300 / 20
Starlink
Satellite		280 / 30
T-Mobile
Fixed Wireless		100 / 20
AT&T
DSL · Fiber, Fixed Wireless in parts of the area		100 / 20

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