406 Creek Rd, Oceanside, CA 92058 Property Records

San Diego County property record for 406 Creek Rd, Oceanside, CA 92058

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,260 sqft · built 1981
Lot Size	0.143 acres (6,219 sqft)
Owner	2 Individual Names on File
Last Sale	$690,000 (May 2022)
Tax Bill	$8,234 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`158-352-15-00`

Property Details

APN / Parcel Number

Primary APN	`158-352-15-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,260 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	6,219 sqft (0.143 acres)
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	406 CREEK RD
City	OCEANSIDE
State	CA
Zip	92058-1647
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 16 TR 009606
Legal Subdivision	ORCHARD CREEK
Legal Tract	009606
Legal Block	2
Legal Lot Number	16
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2000
Census Tract	18622

Owner

Source: San Diego County records · APN 158-352-15-00

Assessment roll updated July 21, 2026 · Last verified July 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 File
Mailing Address	406 CREEK RD, OCEANSIDE, CA 92058-1647
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 03, 2022 · Amount on Record
Deed Sale	May 03, 2022 · Amount on Record
Deed Document Number	2022192060
Prior Transfer Date	Dec 13, 2010
Prior Transfer Doc	0000694357
Record Updated	Sep 20, 2026

May 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 03, 2022
Property Address	406 CREEK RD, OCEANSIDE, CA 92058-1647
Document Number	0000192060
Map Reference	MAP 9606
Instrument Date	Apr 27, 2022
Instrument	2022-0192060
Transaction Type	Transfer
Record Updated	May 11, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TTL SAN DIEGO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	406 CREEK RD, OCEANSIDE, CA 92058-1647

Mortgage

Document Number	0000192061
Date	May 03, 2022
Instrument	2022-0192061

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2052

Tax Assessment & Valuation

Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 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

Assessed value is set for property tax purposes and is not a market price estimate.

Year	Tax Bill	Assessed Value
2026		$746,870 (+2%) Land $275,231 Building $471,639
2025	$8,234.00 (+17.23%)	$732,227 (+16.04%) Land $269,835 Building $462,392
2023	$7,024.00 (+276.42%)	$631,000 Land $232,000 Building $399,000
2022	$1,866.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, San Diego County (06073C), updated September 3, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060730186222, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone A99, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 69 individual policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	102 units insured incl. 33 condo units

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 645 locations within half a mile · Last verified October 2026

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Generate-Ubiquity Holdings, T-Mobile USA, Verizon.

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water System	CITY OF OCEANSIDE serves 174,340 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.