345 Lustrosos St, Oceanside, CA 92057 Property Records

San Diego County property record for 345 Lustrosos St, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,622 sqft · built 1992
Lot Size	0.189 acres (8,239 sqft)
Owner	Individual Name on Record
Last Sale	$700,000 (Jul 2020)
Tax Bill	$8,637 (2025)
Deeds & Mortgages	Sep 2019 Mortgage Jul 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`122-397-02-00`

Property Details

APN / Parcel Number

Primary APN	`122-397-02-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,622 sqft Living Area

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Lot Area	8,239 sqft (0.189 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	345 LUSTROSOS ST
City	OCEANSIDE
State	CA
Zip	92057-4267
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 465 TR 012381
Legal Subdivision	WHELAN RANCH
Legal Tract	012381
Legal Block	1
Legal Lot Number	465
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1000
Census Tract	18609

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 Record	Individual Name on Record
Mailing Address	345 LUSTROSOS ST, OCEANSIDE, CA 92057-4267
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2019	Deed of Trust, Mortgage · Conventional Mortgage PRIME MORTGAGE LENDING INC
Jul 31, 2020	Grant Deed, Transfer · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC
Mar 20, 2018	Deed of Trust, Mortgage · FHA Mortgage BAY EQUITY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 31, 2020 · Amount on Record
Deed Sale	Jul 31, 2020 · Amount on Record
Prior Sale	Jun 28, 2005 · Amount on Record
Deed Document Number	2020423339
Prior Transfer Date	Jul 27, 2004
Prior Transfer Doc	0000739802
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	345 LUSTROSOS ST, OCEANSIDE, CA 92057-4267
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000432693
Date	Sep 30, 2019
Instrument	2019-0432693

Lender

Name	PRIME MORTGAGE LENDING INC
Type	Mortgage Company
Address	APEX, NC 27502

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 31, 2020
Property Address	345 LUSTROSOS ST, OCEANSIDE, CA 92057-4267
Document Number	0000423339
Map Reference	MAP 12381
Instrument Date	Jul 9, 2020
Instrument	2020-0423339
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	345 LUSTROSOS ST, OCEANSIDE, CA 92057-4267

Mortgage

Document Number	0000423340
Date	Jul 31, 2020
Instrument	2020-0423340

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

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

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	345 LUSTROSOS ST, OCEANSIDE, CA 92057-4267
Document Number	0000117900
Instrument Date	Mar 20, 2018
Transaction Type	Mortgage
Record Updated	Mar 30, 2018
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	345 LUSTROSOS ST OCEANSIDE CA 920574267, OCEANSIDE, CA 92057-4267

Mortgage

Document Number	0000117900
Date	Mar 26, 2018
Instrument	117900

Lender

Name	BAY EQUITY
Type	Funding / Finance Company
Address	SAUSALITO, CA 94965

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 25, 2048

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		$772,851 (+2%) Land $343,745 Building $429,106
2025	$8,637.00 (+5.15%)	$757,698 (+4.04%) Land $337,005 Building $420,693
2023	$8,214.00 (+1.55%)	$728,278 Land $323,920 Building $404,358
2022	$8,089.00

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	2 (1998–2018)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Nov 2018 · alluvial fan flooding

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 65% of the US · lower than 79% of California
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 447 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
San Diego Broadband Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

May also be available: T-Mobile.

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