409 Franciscan Way, Oceanside, CA 92057 Property Records

San Diego County property record for 409 Franciscan Way, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,204 sqft · built 2004
Lot Size	0.84 acres (3,649 sqft)
Owner	2 Individual Names on Record
Last Sale	$367,000 (Mar 2012)
Tax Bill	$5,125 (2025)
Deeds & Mortgages	May 2026 Mortgage Dec 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`158-790-28-00`

Property Details

APN / Parcel Number

Primary APN	`158-790-28-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,204 sqft Living Area

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Lot Area	3,649 sqft (0.84 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	409 FRANCISCAN WAY
City	OCEANSIDE
State	CA
Zip	92057-6463
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD-18-H
Legal Description	LOT 28 TR 014731
Legal Subdivision	MISSION WELLS
Legal Tract	014731
Legal Block	1
Legal Lot Number	28
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1016
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	2 Individual Names on Record
Mailing Address	409 FRANCISCAN WAY, OCEANSIDE, CA 92057-6463
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 20, 2026	Deed of Trust, Mortgage · VA Mortgage ACE MORTGAGE FUNDING, LLC
Dec 12, 2023	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Aug 23, 2017	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jan 26, 2018	Deed of Trust, Mortgage · Conventional Mortgage MISCELLANEOUS GOVT AGCY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 2, 2012 · Amount on Record
Deed Sale	Mar 2, 2012 · Amount on Record
Prior Sale	Nov 8, 2004 · Amount on Record
Deed Document Number	2012121799
Last Transfer Date	Apr 24, 2024
Transfer Doc	0000132367
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	May 20, 2026
Property Address	409 FRANCISCAN WAY, OCEANSIDE, CA 92057-6463
Document Number	0000143641
Instrument Date	May 14, 2026
Instrument	2026143641
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 FRANCISCAN WAY, OCEANSIDE, CA 92057-6463

Mortgage

Document Number	0000143641,
Date	May 20, 2026
Instrument	2026143641

Lender

Name	ACE MORTGAGE FUNDING, LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.3%
Max Rate	-1%

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	409 FRANCISCAN WAY, OCEANSIDE, CA 92057-6463
Transaction Type	Mortgage
Record Updated	Dec 22, 2023
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 FRANCISCAN WAY, OCEANSIDE, CA 92057-6463

Mortgage

Document Number	0000341197
Date	Dec 12, 2023
Instrument	2023-0341197

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	409 FRANCISCAN WAY, OCEANSIDE, CA 92057-6463
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000383639
Date	Aug 23, 2017
Instrument	2017-0383639

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

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

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	409 FRANCISCAN WAY, OCEANSIDE, CA 92057-6463
Document Number	0000053280
Instrument Date	Jan 26, 2018
Transaction Type	Mortgage
Record Updated	Feb 14, 2018
Title Company	UTOPIAN GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	409 FRANCISCAN WAY OCEANSIDE CA 920576463, OCEANSIDE, CA 92057-6463

Mortgage

Document Number	0000053280
Date	Feb 9, 2018
Instrument	53280

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	RIVERSIDE, CA 92517

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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		$470,175 (+2%) Land $257,215 Building $212,960
2025	$5,125.00 (+5.26%)	$460,957 (+4.04%) Land $252,172 Building $208,785
2023	$4,869.00 (+1.56%) Homeowner's exemption	$443,060 Land $242,381 Building $200,679
2022	$4,794.00

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
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	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	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 477 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
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: San Diego Broadband, T-Mobile.

Nearby Properties on Franciscan Way

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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