344 River Ranch Way, Oceanside, CA 92057 Property Records

San Diego County property record for 344 River Ranch Way, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,216 sqft · built 2003
Lot Size	0.111 acres (4,835 sqft)
Owner	Individual Name on Record
Last Sale	$431,000 (Oct 2003)
Tax Bill	$6,808 (2025)
Deeds & Mortgages	May 2017 Mortgage Jul 2017 Line of Credit + 1 more
Flood Zone	Zone X (moderate risk)
APN	`158-741-22-00`

Property Details

APN / Parcel Number

Primary APN	`158-741-22-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,216 sqft Living Area

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Lot Area	4,835 sqft (0.111 acres)

Location & Zoning

Street Address	344 RIVER RANCH WAY
City	OCEANSIDE
State	CA
Zip	92057-6527
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD-15
Legal Description	LOT 34 TR 014294
Legal Subdivision	RIVER RANCH NORTH
Legal Tract	014294
Legal Block	2
Legal Lot Number	34
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2016
Census Tract	18521

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	Individual Name on Record
Mailing Address	344 RIVER RANCH WAY, OCEANSIDE, CA 92057-6527
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 17, 2017	Deed of Trust, Mortgage · Conventional Mortgage MUFG UNION BANK NA
Jul 18, 2017	Deed of Trust, Mortgage · Line of Credit MUFG UNION BANK NA
Feb 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage MUFG UNION BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 28, 2003 · Amount on Record
Deed Sale	Oct 28, 2003 · Amount on Record
Prior Sale	Feb 19, 2003 · Amount on Record
Deed Document Number	20031310223
Last Transfer Date	Dec 13, 2024
Transfer Doc	0000000699
Record Updated	Oct 29, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	344 RIVER RANCH WAY, OCEANSIDE, CA 92057-6527
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TICOR TITLE SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000221173
Date	May 17, 2017
Instrument	2017-0221173

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	344 RIVER RANCH WAY, OCEANSIDE, CA 92057-6527
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000321989
Date	Jul 18, 2017
Instrument	2017-0321989

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	344 RIVER RANCH WAY, OCEANSIDE, CA 92057-6527
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000092594
Date	Feb 24, 2020
Instrument	2020-0092594

Lender

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

Agreement

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

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		$625,014 (+2%) Land $290,276 Building $334,738
2025	$6,808.00 (+5.24%) Homeowner's exemption	$612,760 (+4.04%) Land $284,585 Building $328,175
2023	$6,469.00 (+1.55%) Homeowner's exemption	$588,968 Land $273,535 Building $315,433
2022	$6,370.00

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone A99, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 16 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	16 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	CITY OF OCEANSIDE serves 174,340 people · EPA ID CA3710014
Water Source	Purchased surface water from several systems
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 829 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Starlink Satellite	280 / 30
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks, T-Mobile, Verizon.

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