393 Mainsail Rd, Oceanside, CA 92054 Property Records

San Diego County property record for 393 Mainsail Rd, Oceanside, CA 92054

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,356 sqft · built 1980
Lot Size	0.223 acres (9,708 sqft)
Owner	2 Individual Names on Record
Last Sale	$500,000 (Mar 2017)
Tax Bill	$6,458 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Sep 2023 Second Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`162-442-36-00`

Property Details

APN / Parcel Number

Primary APN	`162-442-36-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,356 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	9,708 sqft (0.223 acres)
View / Lot	Woodland
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	393 MAINSAIL RD
City	OCEANSIDE
State	CA
Zip	92054-4608
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 97 TR 008968
Legal Subdivision	SEA MESA
Legal Tract	008968
Legal Block	3
Legal Lot Number	97
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3001
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	393 MAINSAIL RD, OCEANSIDE, CA 92054-4608
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 26, 2025	Deed of Trust, Mortgage · Closed-End Mortgage US BANK NA
Sep 5, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SCHOOLSFIRST FCU
Apr 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage MOUNTAIN WEST FINANCIAL INC
Oct 9, 2019	Deed of Trust, Mortgage · Conventional Mortgage MOUNTAIN WEST FINANCIAL INC
Jul 14, 2017	Deed of Trust, Mortgage · Conventional Mortgage CASEY-CHAMPAGNE FAMILY TR (PT)
Jul 14, 2017	Deed of Trust, Mortgage · Conventional Mortgage CASEY-CHAMPAGNE FAMILY TR (PT)
Mar 30, 2017	Grant Deed, Transfer · Conventional Mortgage MOUNTAIN WEST FINANCIAL INC

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	Nov 18, 2005 · Amount on Record
Deed Document Number	2017144144
Prior Transfer Date	Jul 14, 2016
Prior Transfer Doc	0000373340
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	393 MAINSAIL RD, OCEANSIDE, CA 92054-4608
Transaction Type	Mortgage
Record Updated	Oct 8, 2025
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	393 MAINSAIL RD, OCEANSIDE, CA 92054-4608

Mortgage

Document Number	0000268027
Date	Sep 26, 2025
Instrument	2025-0268027

Lender

Name	US BANK NA
Type	Bank
Address	HOPKINS, MN 55343

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	393 MAINSAIL RD, OCEANSIDE, CA 92054-4608
Transaction Type	Mortgage
Record Updated	Sep 14, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	393 MAINSAIL RD, OCEANSIDE, CA 92054-4608

Mortgage

Document Number	0000240792
Date	Sep 5, 2023
Instrument	2023-0240792

Lender

Name	SCHOOLSFIRST FCU
Type	Credit Union
Address	CORONADO, CA 92178

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2038

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	393 MAINSAIL RD, OCEANSIDE, CA 92054-4608
Transaction Type	Mortgage
Record Updated	Apr 21, 2021
Title Company	TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	393 MAINSAIL RD, OCEANSIDE, CA 92054-4608

Mortgage

Document Number	0000283072
Date	Apr 12, 2021
Instrument	2021-0283072

Lender

Name	MOUNTAIN WEST FINANCIAL INC
Type	Mortgage Company
Address	REDLANDS, CA 92374

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	393 MAINSAIL RD, OCEANSIDE, CA 92054-4608
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000452409
Date	Oct 9, 2019
Instrument	2019-0452409

Lender

Name	MOUNTAIN WEST FINANCIAL INC
Type	Funding / Finance Company
Address	REDLANDS, CA 92374

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	393 MAINSAIL RD, OCEANSIDE, CA 92054-4608
Document Number	0000352484
Instrument Date	Jul 14, 2017
Transaction Type	Mortgage
Record Updated	Aug 14, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	393 MAINSAIL RD OCEANSIDE CA 920544608, OCEANSIDE, CA 92054-4608

Mortgage

Document Number	0000352484
Date	Aug 3, 2017
Instrument	352484

Lender

Name	CASEY-CHAMPAGNE FAMILY TR (PT)
Address	4594 LA CANADA RD, FALLBROOK, CA 92028-9488

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	393 MAINSAIL RD, OCEANSIDE, CA 92054-4608
Document Number	0000534012
Instrument Date	Jul 14, 2017
Transaction Type	Mortgage
Record Updated	Nov 25, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	393 MAINSAIL RD OCEANSIDE CA 920544608, OCEANSIDE, CA 92054-4608

Mortgage

Document Number	0000534012
Date	Nov 18, 2019
Instrument	534012

Lender

Name	CASEY-CHAMPAGNE FAMILY TR (PT)
Address	32113 WISKON WAY E, PAUMA VALLEY, CA 92061-1622

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 30, 2017
Property Address	393 MAINSAIL RD, OCEANSIDE, CA 92054-4608
Document Number	0000144144
Map Reference	MAP8968
Instrument Date	Feb 21, 2017
Instrument	2017-0144144
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	TICOR TITLE INS CO SAN DIEGO

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	Joint Tenants
Address	393 MAINSAIL RD, OCEANSIDE, CA 92054-4608

Mortgage

Document Number	0000144145
Date	Mar 30, 2017
Instrument	2017-0144145

Lender

Name	MOUNTAIN WEST FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 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		$591,887 (+2%) Land $462,465 Building $129,422
2025	$6,458.00 (+5.23%) Homeowner's exemption	$580,283 (+4.04%) Land $453,398 Building $126,885
2023	$6,137.00 (+1.56%) Homeowner's exemption	$557,752 Land $435,793 Building $121,959
2022	$6,043.00

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 505 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

May also be available: AT&T.

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