374 River Ranch Way, Oceanside, CA 92057 Property Records

San Diego County property record for 374 River Ranch Way, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,600 sqft · built 2003
Lot Size	0.94 acres (4,114 sqft)
Owner	2 Individual Names on File
Last Sale	$605,000 (May 2018)
Tax Bill	$7,732 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Aug 2018 Line of Credit + 4 more
Flood Zone	Zone X (moderate risk)
APN	`158-741-17-00`

Property Details

APN / Parcel Number

Primary APN	`158-741-17-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,600 sqft Living Area

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Lot Area	4,114 sqft (0.94 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	374 RIVER RANCH WAY
City	OCEANSIDE
State	CA
Zip	92057-6527
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD-15
Legal Description	LOT 29 TR 014294
Legal Subdivision	RIVER RANCH NORTH
Legal Tract	014294
Legal Block	2
Legal Lot Number	29
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2004
Census Tract	18521

Owner

Source: San Diego County assessment roll, as of July 21, 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 File
Mailing Address	374 RIVER RANCH WAY, OCEANSIDE, CA 92057-6527
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2026	Deed of Trust, Mortgage · Line of Credit CALIFORNIA COAST CREDIT UNION
Aug 27, 2018	Deed of Trust, Mortgage · Line of Credit TCF NATIONAL BANK
Dec 18, 2019	Deed of Trust, Mortgage · Line of Credit TCF NATIONAL BANK
Sep 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage FRANKLIN LOAN CENTER
Sep 19, 2019	Deed of Trust, Mortgage · Conventional Mortgage FRANKLIN LN CTR
May 3, 2018	Grant Deed, Transfer · Conventional Mortgage FRANKLIN LN CTR

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 3, 2018 · Amount on Record
Deed Sale	May 3, 2018 · Amount on Record
Prior Sale	Jul 29, 2008 · Amount on Record
Deed Document Number	2018178162
Prior Transfer Date	May 19, 2005
Prior Transfer Doc	0000449630
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 29, 2026
Property Address	374 RIVER RANCH WAY, OCEANSIDE, CA 92057-6527
Document Number	0000184662
Instrument Date	Jun 18, 2026
Instrument	2026184662
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	WFG NATIONAL TITLE COMPANY, WFG NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205

Mortgage

Document Number	0000184662,
Date	Jun 29, 2026
Instrument	2026184662

Lender

Name	CALIFORNIA COAST CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Jul 28, 2051

Interest

Rate	6.51%
Max Rate	-1%

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	374 RIVER RANCH WAY, OCEANSIDE, CA 92057-6527
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCURATE TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000352673
Date	Aug 27, 2018
Instrument	2018-0352673

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jul 23, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	374 RIVER RANCH WAY, OCEANSIDE, CA 92057-6527
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ORANGE COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000592793
Date	Dec 18, 2019
Instrument	2019-0592793

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 23, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	374 RIVER RANCH WAY, OCEANSIDE, CA 92057-6527
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	374 RIVER RANCH WAY, OCEANSIDE, CA 92057-6527

Mortgage

Document Number	0000563892
Date	Sep 23, 2020
Instrument	2020-0563892

Lender

Name	FRANKLIN LOAN CENTER
Type	Mortgage Company
Address	PALM DESERT, CA 92260

Agreement

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

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	374 RIVER RANCH WAY, OCEANSIDE, CA 92057-6527
Document Number	0000427705
Instrument Date	Sep 19, 2019
Transaction Type	Mortgage
Record Updated	Oct 4, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE ORANGE CN

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	374 RIVER RANCH WAY OCEANSIDE CA 920576527, OCEANSIDE, CA 92057-6527

Mortgage

Document Number	0000427705
Date	Sep 26, 2019
Instrument	427705

Lender

Name	FRANKLIN LN CTR
Type	Funding / Finance Company
Address	PALM DESERT, CA 92260

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 25, 2049

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 3, 2018
Property Address	374 RIVER RANCH WAY, OCEANSIDE, CA 92057-6527
Document Number	0000178162
Instrument Date	Apr 12, 2018
Instrument	178162
Transaction Type	Transfer
Record Updated	Nov 20, 2018
Title Company	LAWYERS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$665.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	374 RIVER RANCH WAY OCEANSIDE CA 920576527, OCEANSIDE, CA 92057-6527

Mortgage

Document Number	178163
Date	May 3, 2018
Instrument	178163

Lender

Name	FRANKLIN LN CTR
Type	Funding / Finance Company
Address	PALM DESERT, CA 92260

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 2, 2048

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 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		$702,147 (+2%) Land $236,865 Building $465,282
2025	$7,732.00 (+5.2%)	$688,380 (+4.04%) Land $232,221 Building $456,159
2023	$7,350.00 (+1.53%)	$661,651 Land $223,204 Building $438,447
2022	$7,239.00

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
Nearest Special Flood Hazard Area	Zone A99, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 16 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	16 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	Not rated no burnable land within ember reach

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

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Starlink Satellite	280 / 30
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: California Internet, T-Mobile USA, Verizon.

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