3564 Papaya Way, Oceanside, CA 92058 Property Records

San Diego County property record for 3564 Papaya Way, Oceanside, CA 92058

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,154 sqft · built 1985
Lot Size	8.34 acres (363,556 sqft)
Owner	2 Individual Names on File
Last Sale	$585,000 (Apr 2024)
Tax Bill	$6,713 (2025)
Deeds & Mortgages	Apr 2024 Sale & Mortgage Jul 2017 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`158-190-30-16`

Property Details

APN / Parcel Number

Primary APN	`158-190-30-16`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,154 sqft Living Area

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Condo/Apartment
Lot Area	363,556 sqft
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	3564 PAPAYA WAY
City	OCEANSIDE
State	CA
Zip	92058-1696
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RM-B
Legal Description	LOT 2 US 16PER DOC80-392551&84-256368&UND INT IN TR 009790
Legal Subdivision	LOS ARBOLITOS ADD
Legal Tract	009790
Legal Block	3
Legal Lot Number	2
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3001
Census Tract	18613

Owner

3564 Papaya Way, a condominium, is owned and occupied by two individuals who bought it in April 2024.

Source: San Diego County records, as of July 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3564 PAPAYA WAY, OCEANSIDE, CA 92058-1696
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2024	Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Jul 10, 2017	Grant Deed, Transfer · VA Mortgage WEST COAST FUNDING & REAL ESTATE SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2024 · Amount on File
Deed Sale	Apr 30, 2024 · Amount on File
Prior Sale	Jul 10, 2017 · Amount on File
Deed Document Number	2024108394
Prior Transfer Date	Oct 7, 2014
Prior Transfer Doc	0000437268
Record Updated	Oct 29, 2026

April 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 30, 2024
Property Address	3564 PAPAYA WAY, OCEANSIDE, CA 92058-1696
Document Number	0000108394
Map Reference	MAP 9790
Instrument Date	Apr 26, 2024
Instrument	2024-0108394
Transaction Type	Transfer
Record Updated	May 9, 2024
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
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	3564 PAPAYA WAY, OCEANSIDE, CA 92058-1696

Mortgage

Document Number	0000108395
Date	Apr 30, 2024
Instrument	2024-0108395

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

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

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 10, 2017
Property Address	3564 PAPAYA WAY, OCEANSIDE, CA 92058-1696
Document Number	0000310459
Instrument Date	Jun 2, 2017
Instrument	310459
Transaction Type	Transfer
Record Updated	Aug 23, 2018
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE SAN DIEGO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$358.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	3564 PAPAYA WAY OCEANSIDE CA 920581696, OCEANSIDE, CA 92058-1696

Mortgage

Document Number	310460
Date	Jul 10, 2017
Instrument	310460

Lender

Name	WEST COAST FUNDING & REAL ESTATE SVCS
Type	Funding / Finance Company
Address	SAN DIEGO, CA 92108

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 9, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 3564 Papaya Way was $6,713.

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		$608,632 (+2%) Land $367,614 Building $241,018
2025	$6,713.00	$596,699 Land $360,406 Building $236,293
2023	$3,895.00 (+1.59%) Homeowner's exemption	$355,430 Land $214,680 Building $140,750
2022	$3,834.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 3564 Papaya Way in Zone X, an area of moderate flood risk.

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
Flood Insurance Cost	Premium on File median of 37 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	37 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

Wildfire risk around 3564 Papaya Way is low, with a 0.07% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · lower than 77% of California
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect 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 361 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Starlink Satellite	280 / 30
AT&T DSL	100 / 20

May also be available: Verizon.

Nearby Properties on Papaya Way

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures