403 S Horne St, Oceanside, CA 92054 Property Records

San Diego County property record for 403 S Horne St, Oceanside, CA 92054

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,519 sqft · built 1929
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Individual Names on File
Last Sale	$1,500,000 (May 2025)
Tax Bill	$3,881 (2025)
Deeds & Mortgages	May 2021 Mortgage Feb 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`150-231-15-00`

Property Details

APN / Parcel Number

Primary APN	`150-231-15-00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,519 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1929
Effective Year Built	Effective 1929
Architectural Style	Conventional
Lot Area	5,000 sqft (0.115 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	403 S HORNE ST
City	OCEANSIDE
State	CA
Zip	92054-4248
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	BLK 22 LOT 1 TR 000219
Legal Subdivision	BRYANS ADD
Legal Tract	000219
Legal Block	22
Legal Lot Number	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1004
Census Tract	18202

Owner

403 S Horne St is owned and occupied by two individuals who bought it in May 2025.

Source: San Diego County records, as of September 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	403 S HORNE ST, OCEANSIDE, CA 92054-4248
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage E MORTGAGE CAPITAL INC
Feb 28, 2017	Quit Claim Deed, Transfer · Conventional Mortgage GUARANTEED RATE
Feb 28, 2017	Affidavit of Death, Transfer RAVENSWOOD TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 5, 2025 · Amount on File
Deed Sale	May 5, 2025 · Amount on File
Prior Sale	Aug 21, 1997 · Amount on File
Deed Document Number	2025117996
Prior Transfer Date	Feb 22, 2017
Prior Transfer Doc	0000095340
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	403 S HORNE ST, OCEANSIDE, CA 92054-4248
Transaction Type	Mortgage
Record Updated	May 21, 2021
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 5 HORNE ST, 5, OCEANSIDE, CA 92054-4248

Mortgage

Document Number	0000361649
Date	May 11, 2021
Instrument	2021-0361649

Lender

Name	E MORTGAGE CAPITAL INC
Type	Mortgage Company
Address	SANTA ANA, CA 92701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2051

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 28, 2017
Property Address	403 S HORNE ST, OCEANSIDE, CA 92054-4248
Document Number	0000095341
Instrument Date	Feb 22, 2017
Instrument	95341
Transaction Type	Transfer
Record Updated	Mar 6, 2017
Title Company	BNT TITLE COMPANY/CA, BNT TITLE CO/CA

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	403 S HORNE ST OCEANSIDE CA 920544248, OCEANSIDE, CA 92054-4248

Mortgage

Document Number	95342
Date	Feb 28, 2017
Instrument	95342

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 27, 2047

February 2017: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 28, 2017
Property Address	403 S HORNE ST, OCEANSIDE, CA 92054-4248
Document Number	0000095340
Instrument Date	Feb 22, 2017
Instrument	95340
Transaction Type	Transfer
Record Updated	Mar 6, 2017
Title Company	RAVENSWOOD TITLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 S HORNE ST OCEANSIDE CA 920544248, OCEANSIDE, CA 92054-4248

Tax Assessment & Valuation

The 2025 property tax bill for 403 S Horne St was $3,881.

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		$1,530,000 (+337.56%) Land $1,203,600 Building $326,400
2025	$3,881.00	$349,666 Land $159,665 Building $190,001
2023	$3,687.00 (+1.57%) Homeowner's exemption	$336,090 Land $153,466 Building $182,624
2022	$3,630.00

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.

Flood

FEMA maps place 403 S Horne St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 3, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 403 S Horne St has no burnable land within ember reach, so its wildfire risk is not rated.

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	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 409 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
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: GeoLinks, T-Mobile.

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