389 Spring Canyon Way, Oceanside, CA 92057 Property Records

San Diego County property record for 389 Spring Canyon 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 (4,079 sqft)
Owner	Individual Name on Record
Last Sale	$890,000 (Sep 2023)
Tax Bill	$10,105 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Mar 2024 Transfer + 3 more
Flood Zone	Zone X (moderate risk)
APN	`158-741-09-00`

Property Details

APN / Parcel Number

Primary APN	`158-741-09-00`

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	4,079 sqft (0.94 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	389 SPRING CANYON WAY
City	OCEANSIDE
State	CA
Zip	92057-6531
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD-15
Legal Description	LOT 21 TR 014294
Legal Subdivision	RIVER RANCH NORTH
Legal Tract	014294
Legal Block	2
Legal Lot Number	21
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2004
Census Tract	18521

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	Individual Name on Record
Mailing Address	389 SPRING CANYON WAY, OCEANSIDE, CA 92057-6531
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 13, 2026	Deed of Trust, Mortgage · FHA Mortgage LOANCARE LLC
Mar 22, 2024	Intrafamily Transfer, Transfer
Sep 6, 2023	Grant Deed, Transfer · FHA Mortgage PREMIA MORTGAGE LLC
Aug 16, 2022	Intrafamily Transfer, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO
Aug 16, 2022	Grant Deed, Transfer · Conventional Mortgage PMAC LENDING SERVICES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 6, 2023 · Amount on Record
Deed Sale	Sep 6, 2023 · Amount on Record
Prior Sale	Aug 16, 2022 · Amount on Record
Deed Document Number	2023242408
Last Transfer Date	Mar 22, 2024
Transfer Doc	0000072337
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	389 SPRING CANYON WAY, OCEANSIDE, CA 92057-6531
Transaction Type	Mortgage
Record Updated	Mar 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	389 SPRING CANYON WAY, OCEANSIDE, CA 92057-6531

Mortgage

Document Number	0000069186
Date	Mar 13, 2026
Instrument	2026-0069186

Lender

Name	LOANCARE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2056

March 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 22, 2024
Property Address	389 SPRING CANYON WAY, OCEANSIDE, CA 92057-6531
Document Number	0000072337
Map Reference	MAP 014294
Instrument Date	Mar 22, 2024
Instrument	2024-0072337
Transaction Type	Transfer
Record Updated	Apr 2, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	389 SPRING CANYON WAY, OCEANSIDE, CA 92057-6531

September 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 6, 2023
Property Address	389 SPRING CANYON WAY, OCEANSIDE, CA 92057-6531
Document Number	0000242408
Map Reference	MAP 14294
Instrument Date	Aug 24, 2023
Instrument	2023-0242408
Transaction Type	Transfer
Record Updated	Sep 14, 2023
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

Transaction

Amount	Amount Recorded
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 with Right of Survivorship
Address	389 SPRING CANYON WAY, OCEANSIDE, CA 92057-6531

Mortgage

Document Number	0000242409
Date	Sep 6, 2023
Instrument	2023-0242409

Lender

Name	PREMIA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 16, 2022
Property Address	389 SPRING CANYON WAY, OCEANSIDE, CA 92057-6531
Document Number	0000331397
Map Reference	MAP 14294
Instrument Date	Jul 26, 2022
Instrument	2022-0331397
Transaction Type	Transfer
Record Updated	Aug 30, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	389 SPRING CANYON WAY, OCEANSIDE, CA 92057-6531

August 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 16, 2022
Property Address	389 SPRING CANYON WAY, OCEANSIDE, CA 92057-6531
Document Number	0000331398
Map Reference	MAP 14294
Instrument Date	Jul 21, 2022
Instrument	2022-0331398
Transaction Type	Transfer
Record Updated	Aug 30, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Amount	Amount Recorded
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
Address	389 SPRING CANYON WAY, OCEANSIDE, CA 92057-6531

Mortgage

Document Number	0000331399
Date	Aug 16, 2022
Instrument	2022-0331399

Lender

Name	PMAC LENDING SERVICES INC
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	7.37%
Type Change Date	Sep 1, 2029
Change Frequency	6 Months
Min Rate At Change	7.37%
Max Rate At Change	12.3%
Index	Other
Margin	4
Max Rate	12.3%

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		$925,954 (+2%) Land $361,542 Building $564,412
2025	$10,105.00 (+1.96%) Homeowner's exemption	$907,799 (+11.11%) Land $354,453 Building $553,346
2024	$9,911.00 (+10.24%)
2023	$8,990.00 (+87.49%) Homeowner's exemption	$817,000 Land $319,000 Building $498,000
2022	$4,795.00

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

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 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: GeoLinks, T-Mobile, Verizon.

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