San Diego County property record for 386 Mainsail Rd, Oceanside, CA 92054
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,672 sqft · built 1980 |
| Lot Size | 0.33 acres (14,395 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $665,000 (Feb 2022) |
| Tax Bill | $2,501 (2025) |
| Deeds & Mortgages | Feb 2024 Second Mortgage Feb 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 162-442-41-00 |
| Primary APN | 162-442-41-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,672 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Contemporary |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Material | Wood Shingle |
| Lot Area | 14,395 sqft (0.33 acres) |
| View / Lot | Good |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 386 MAINSAIL RD |
|---|---|
| City | OCEANSIDE |
| State | CA |
| Zip | 92054-4609 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS |
| Legal Description | LOT 102 TR 008968 |
| Legal Subdivision | SEA MESA |
| Legal Tract | 008968 |
| Legal Block | 4 |
| Legal Lot Number | 102 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | OCEANSIDE-ESCONDIDO |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 18511 |
386 Mainsail Rd is owned and occupied by two individuals who bought it in February 2022.
Source: San Diego County records, as of July 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 386 MAINSAIL RD, OCEANSIDE, CA 92054-4609 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 26, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU |
| Feb 14, 2022 | Grant Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 14, 2022 · Amount on File |
| Deed Sale | Feb 14, 2022 · Amount on File |
| Deed Document Number | 202267868 |
| Prior Transfer Date | May 31, 2012 |
| Prior Transfer Doc | 0000327263 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 386 MAINSAIL RD, OCEANSIDE, CA 92054-4609 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2024 |
| Name | Verified Name |
|---|---|
| Address | 386 MAINSAIL RD, OCEANSIDE, CA 92054-4609 |
| Document Number | 0000047655 |
|---|---|
| Date | Feb 26, 2024 |
| Instrument | 2024-0047655 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Mar 1, 2034 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Feb 14, 2022 |
| Property Address | 386 MAINSAIL RD, OCEANSIDE, CA 92054-4609 |
| Document Number | 0000067868 |
| Map Reference | MAP 8968 |
| Instrument Date | Jan 22, 2022 |
| Instrument | 2022-0067868 |
| Transaction Type | Transfer |
| Record Updated | Feb 28, 2022 |
| Title Company | CORINTHIAN TITLE-SD, CORINTHIAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 386 MAINSAIL RD, OCEANSIDE, CA 92054-4609 |
| Document Number | 0000067869 |
|---|---|
| Date | Feb 14, 2022 |
| Instrument | 2022-0067869 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2052 |
The 2025 property tax bill for 386 Mainsail Rd was $2,501 with a homeowner's exemption.
Source: San Diego County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Municipality | Oceanside City |
| Unified School District | Oceanside Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $230,671 (+2%) Land $31,660 Building $199,011 | |
| 2025 | $2,501.00 Homeowner's exemption | $226,149 Land $31,040 Building $195,109 |
| 2023 | $2,374.00 (+1.58%) Homeowner's exemption | $217,370 Land $29,836 Building $187,534 |
| 2022 | $2,337.00 |
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.
FEMA maps place 386 Mainsail Rd in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1980.
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 |
| Flood Insurance Cost | Premium on File median of 17 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 17 in force |
| Nearby Flood Claims | 9 (1980–1998) |
| Most Recent Claim | Feb 1998 · Severe Winter Storms And Flooding |
| Claims by Event |
|
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 risk around 386 Mainsail Rd is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 97.8% of California |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | Arviso - Mobile Home Park private · serves 70 people · EPA ID 090605121 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2026 |
| Also Mapped Here | SAN DIEGO COUNTY WATER AUTHORITY, CITY OF OCEANSIDE |
| Lead | Below detection (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Coliform assessment Dec 2019 |
| Monitoring and Reporting | 26 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 199 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 |
May also be available: AT&T, GeoLinks, T-Mobile, Verizon.
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