354 Lustrosos St, Oceanside, CA 92057 Property Records

San Diego County property record for 354 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	0.477 acres (20,794 sqft)
Owner	2 Individual Names on File
Last Sale	$1,168,000 (Apr 2026)
Tax Bill	$12,727 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage May 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`122-397-06-00`

Property Details

APN / Parcel Number

Primary APN	`122-397-06-00`

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	20,794 sqft (0.477 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	354 LUSTROSOS ST
City	OCEANSIDE
State	CA
Zip	92057-4266
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 469 TR 012381
Legal Subdivision	WHELAN RANCH
Legal Tract	012381
Legal Block	1
Legal Lot Number	469
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	2 Individual Names on File
Mailing Address	354 LUSTROSOS ST, OCEANSIDE, CA 92057-4266
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 10, 2026	Grant Deed, Transfer · Conventional Mortgage BANK OF AMIERCA NA
May 12, 2023	Grant Deed, Transfer · FHA Mortgage JPMORGAN CHASE BANK NA
Oct 16, 2019	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 10, 2026 · Amount on File
Deed Sale	Apr 10, 2026 · Amount on File
Prior Sale	Dec 13, 2024 · Amount on File
Deed Document Number	2026100732
Record Updated	Oct 29, 2026

April 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 10, 2026
Property Address	354 LUSTROSOS ST, OCEANSIDE, CA 92057-4266
Document Number	0000100732
Instrument Date	Mar 17, 2026
Instrument	2026100732
Transaction Type	Transfer
Record Updated	Jul 2, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$129,764.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	354 LUSTROSOS ST, OCEANSIDE, CA 92057-4266
Investor	Possibly a Property Investor

Mortgage

Document Number	0000100733,
Date	Apr 10, 2026
Instrument	2026100733

Lender

Name	BANK OF AMIERCA NA

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

May 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 12, 2023
Property Address	354 LUSTROSOS ST, OCEANSIDE, CA 92057-4266
Document Number	0000125641
Map Reference	MAP 12381
Instrument Date	May 9, 2023
Instrument	2023-0125641
Transaction Type	Transfer
Record Updated	May 23, 2023
Title Company	NOT AVAILABLE, TITLE FORWARD OF CALIFORNIA

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	354 LUSTROSOS ST, OCEANSIDE, CA 92057-4266

Mortgage

Document Number	0000125642
Date	May 12, 2023
Instrument	2023-0125642

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	354 LUSTROSOS ST, OCEANSIDE, CA 92057-4266
Document Number	0000478271
Instrument Date	Oct 16, 2019
Transaction Type	Mortgage
Record Updated	Nov 5, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	354 LUSTROSOS ST OCEANSIDE CA 920574266, OCEANSIDE, CA 92057-4266

Mortgage

Document Number	0000478271
Date	Oct 23, 2019
Instrument	478271

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 22, 2049

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		$1,146,174 (+2%) Land $816,000 Building $330,174
2025	$12,727.00 (+9.64%)	$1,123,700 (+67.39%) Land $800,000 Building $323,700
2024	$11,608.00 (+54.65%)
2023	$7,506.00 (+1.56%) Homeowner's exemption	$671,312 Land $223,762 Building $447,550
2022	$7,391.00

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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