3531 Starboard Cir, Oceanside, CA 92054 Property Records

San Diego County property record for 3531 Starboard Cir, Oceanside, CA 92054

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,672 sqft · built 1980
Lot Size	0.342 acres (14,891 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,100,000 (Dec 2025)
Tax Bill	$11,530 (2025)
Deeds & Mortgages	Apr 2025 Mortgage Dec 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`162-441-33-00`

Property Details

APN / Parcel Number

Primary APN	`162-441-33-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,672 sqft Living Area

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Lot Area	14,891 sqft (0.342 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	3531 STARBOARD CIR
City	OCEANSIDE
State	CA
Zip	92054-4643
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 33 TR 008968
Legal Subdivision	SEA MESA
Legal Tract	008968
Legal Block	2
Legal Lot Number	33
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3000
Census Tract	18511

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	2 Individual Names on Record
Mailing Address	5164 35TH ST, SAN DIEGO, CA 92116-1912
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 11, 2025	Deed of Trust, Mortgage · Conventional Mortgage STONE BRIDGE MORTGAGE INC
Dec 9, 2025	Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Apr 4, 2024	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 28, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 9, 2025 · Amount on Record
Deed Sale	Dec 9, 2025 · Amount on Record
Prior Sale	Apr 4, 2024 · Amount on Record
Deed Document Number	2025347408
Prior Transfer Date	Oct 21, 2019
Prior Transfer Doc	0000489279
Record Updated	Oct 29, 2026

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3531 STARBOARD CIR, OCEANSIDE, CA 92054-4643
Transaction Type	Mortgage
Record Updated	Dec 22, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3531 STARBOARD CIR, OCEANSIDE, CA 92054-4643

Mortgage

Document Number	0000094141
Date	Apr 11, 2025
Instrument	2025-0094141

Lender

Name	STONE BRIDGE MORTGAGE INC
Type	Mortgage Company
Address	SOLANA BEACH, CA 92075

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2055

December 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 9, 2025
Property Address	3531 STARBOARD CIR, OCEANSIDE, CA 92054-4643
Document Number	0000347408
Map Reference	MAP 8968
Instrument Date	Dec 3, 2025
Instrument	2025-0347408
Transaction Type	Transfer
Record Updated	Dec 22, 2025
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS 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
Relationship	Joint Tenants
Address	164 S 35TH ST, SAN DIEGO, CA 92113-1604

Mortgage

Document Number	0000347409
Date	Dec 9, 2025
Instrument	2025-0347409

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

April 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 4, 2024
Property Address	3531 STARBOARD CIR, OCEANSIDE, CA 92054-4643
Document Number	0000083927
Map Reference	MAP 8968
Instrument Date	Mar 27, 2024
Instrument	2024-0083927
Transaction Type	Transfer
Record Updated	Apr 16, 2024
Title Company	TICOR TITLE COMPANY/CA SAN DIEGO, TICOR TTL CO OF CA SAN DIEGO

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
Relationship	Community Property
Address	2626 BELBURN PL, SIMI VALLEY, CA 93065-1433

Mortgage

Document Number	0000083928
Date	Apr 4, 2024
Instrument	2024-0083928

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 28, 2019
Property Address	3531 STARBOARD CIR, OCEANSIDE, CA 92054-4643
Document Number	0000489279
Instrument Date	Oct 21, 2019
Instrument	489279
Transaction Type	Transfer
Record Updated	Nov 5, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3531 STARBOARD CIR OCEANSIDE CA 920544643, OCEANSIDE, CA 92054-4643

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		$1,100,000 (+7.09%) Land $900,000 Building $200,000
2025	$11,530.00 (+292.18%)	$1,027,140 (+282.47%) Land $816,000 Building $211,140
2023	$2,940.00 (+1.59%) Homeowner's exemption	$268,557 Land $104,630 Building $163,927
2022	$2,894.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 80% of the US · lower than 88% of California
Wildfire Likelihood	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	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 505 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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