398 Mainsail Rd, Oceanside, CA 92054 Property Records

San Diego County property record for 398 Mainsail Rd, Oceanside, CA 92054

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,154 sqft · built 1980
Lot Size	0.157 acres (6,832 sqft)
Owner	Individual Name on Record
Last Sale	$940,000 (Sep 2022)
Tax Bill	$10,980 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Apr 2021 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`162-442-38-00`

Property Details

APN / Parcel Number

Primary APN	`162-442-38-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,154 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Exterior Material	Block
Construction Type	Frame
Lot Area	6,832 sqft (0.157 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	398 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 99 TR 008968
Legal Subdivision	SEA MESA
Legal Tract	008968
Legal Block	4
Legal Lot Number	99
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	4
Census Block	4000
Census Tract	18511

Owner

Source: San Diego County records, as of July 22, 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	4143 VIA MARINA, 311, MARINA DEL REY, CA 90292-5307
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2022	Grant Deed, Transfer · Conventional Mortgage ABSOLUTE HOME MORTGAGE CORP
Apr 23, 2021	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC
Sep 7, 2018	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 7, 2018	Deed of Trust, Mortgage · Line of Credit TCF NATIONAL BANK
Nov 27, 2019	Deed of Trust, Mortgage · Conventional Mortgage SUN WEST MORTGAGE COMPANY INC
Aug 22, 2017	Deed of Trust, Mortgage · Conventional Mortgage FREMONT BANK
Nov 8, 2019	Loan Modification, Mortgage · Conventional Mortgage TCF NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 22, 2022 · Amount on Record
Deed Sale	Sep 22, 2022 · Amount on Record
Prior Sale	Jul 25, 2016 · Amount on Record
Deed Document Number	2022372443
Prior Transfer Date	Oct 15, 2005
Prior Transfer Doc	0000895129
Record Updated	Sep 20, 2026

September 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 22, 2022
Property Address	398 MAINSAIL RD, OCEANSIDE, CA 92054-4609
Document Number	0000372443
Map Reference	MAP 8968
Instrument Date	Aug 25, 2022
Instrument	2022-0372443
Transaction Type	Transfer
Record Updated	Oct 3, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TTL 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
Address	4143 VIA MARINA APT 311, 311, MARINA DEL REY, CA 90292-5307

Mortgage

Document Number	0000372444
Date	Sep 22, 2022
Instrument	2022-0372444

Lender

Name	ABSOLUTE HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

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

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	398 MAINSAIL RD, OCEANSIDE, CA 92054-4609
Transaction Type	Mortgage
Record Updated	May 5, 2021
Title Company	WFG NATIONAL TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	398 MAINSAIL RD, OCEANSIDE, CA 92054-4609

Mortgage

Document Number	0000314501
Date	Apr 23, 2021
Instrument	2021-0314501

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	398 MAINSAIL RD, OCEANSIDE, CA 92054-4609
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000370133
Date	Sep 7, 2018
Instrument	2018-0370133

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2048

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	398 MAINSAIL RD, OCEANSIDE, CA 92054-4609
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000370134
Date	Sep 7, 2018
Instrument	2018-0370134

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 23, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	398 MAINSAIL RD, OCEANSIDE, CA 92054-4609
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	WFG NATIONAL TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000554497
Date	Nov 27, 2019
Instrument	2019-0554497

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company
Address	BUENA PARK, CA 90620

Agreement

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

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	398 MAINSAIL RD, OCEANSIDE, CA 92054-4609
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000381447
Date	Aug 22, 2017
Instrument	2017-0381447

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2047

November 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SAN DIEGO CA
Property Address	398 MAINSAIL RD, OCEANSIDE, CA 92054-4609
Document Number	0000554495
Instrument Date	Nov 8, 2019
Transaction Type	Mortgage
Record Updated	Dec 10, 2019
Title Company	WFG NATIONAL TITLE COMPANY, WFG NAT'L TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	398 MAINSAIL RD OCEANSIDE CA 920544609, OCEANSIDE, CA 92054-4609

Mortgage

Document Number	0000554495
Date	Nov 27, 2019
Instrument	554495

Lender

Name	TCF NAT'L BK
Type	Bank
Address	PLYMOUTH, MN 55441

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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		$997,533 (+2%) Land $527,792 Building $469,741
2025	$10,980.00 (+7.91%)	$977,975 (+6.77%) Land $517,444 Building $460,531
2023	$10,175.00 (+61.43%)	$916,000 Land $484,000 Building $432,000
2022	$6,303.00

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
Flood Insurance Cost	Premium on Record 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	Severe Winter Storms And Flooding, Feb 1998 · 2 claims

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 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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.

Nearby Properties on Mainsail Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures