3573 Binnacle Way, Oceanside, CA 92054 Property Records

San Diego County property record for 3573 Binnacle Way, Oceanside, CA 92054

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,618 sqft · built 1984
Lot Size	0.227 acres (9,894 sqft)
Owner	2 Individual Names on Record
Last Sale	$560,000 (Mar 2017)
Tax Bill	$7,314 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit Jan 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`149-141-21-00`

Property Details

APN / Parcel Number

Primary APN	`149-141-21-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,618 sqft Living Area

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Lot Area	9,894 sqft (0.227 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	3573 BINNACLE WAY
City	OCEANSIDE
State	CA
Zip	92054-4777
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 279 TR 009506
Legal Subdivision	SEA MESA
Legal Tract	009506
Legal Block	3
Legal Lot Number	279
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3002
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	3573 BINNACLE WAY, OCEANSIDE, CA 92054-4777
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2024	Deed of Trust, Mortgage · Line of Credit ZB NA
Jan 19, 2022	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Mar 30, 2017	Grant Deed, Transfer · Conventional with PMI CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 30, 2017 · Amount on Record
Deed Sale	Mar 30, 2017 · Amount on Record
Prior Sale	Feb 8, 1984 · Amount on Record
Deed Document Number	2017144560
Prior Transfer Date	Jul 24, 2007
Prior Transfer Doc	0000516280
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3573 BINNACLE WAY, OCEANSIDE, CA 92054-4777
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3573 BINNACLE WAY, OCEANSIDE, CA 92054-4777

Mortgage

Document Number	0000094169
Date	Apr 16, 2024
Instrument	2024-0094169

Lender

Name	ZB NA
Type	Bank
Address	SAN DIEGO, CA 92111

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3573 BINNACLE WAY, OCEANSIDE, CA 92054-4777
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3573 BINNACLE WAY, OCEANSIDE, CA 92054-4777

Mortgage

Document Number	0000027284
Date	Jan 19, 2022
Instrument	2022-0027284

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	CONSHOHOCKEN, PA 19428

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 30, 2017
Property Address	3573 BINNACLE WAY, OCEANSIDE, CA 92054-4777
Document Number	0000144560
Instrument Date	Mar 2, 2017
Instrument	144560
Transaction Type	Transfer
Record Updated	Apr 4, 2017
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$616.00
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	3573 BINNACLE WAY OCEANSIDE CA 920544777, OCEANSIDE, CA 92054-4777

Mortgage

Document Number	144561
Date	Mar 30, 2017
Instrument	144561

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 29, 2047

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		$662,919 (+2%) Land $426,163 Building $236,756
2025	$7,314.00 (+5.18%)	$649,921 (+4.04%) Land $417,807 Building $232,114
2023	$6,954.00 (+1.53%)	$624,685 Land $401,584 Building $223,101
2022	$6,849.00

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 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 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 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 451 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
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

May also be available: GeoLinks.

Cell Coverage

5G (outdoors only) and 4G LTE

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