411 Garfield St, Oceanside, CA 92054 Property Records

San Diego County property record for 411 Garfield St, Oceanside, CA 92054

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 935 sqft · built 1959
Lot Size	0.126 acres (5,489 sqft)
Owner	2 Individual Names on File
Last Sale	$525,000 (Mar 2019)
Tax Bill	$6,518 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Feb 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`150-242-03-00`

Property Details

APN / Parcel Number

Primary APN	`150-242-03-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	935 sqft Living Area

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Gravel
Lot Area	5,489 sqft (0.126 acres)
Lot Dimensions	120 ft deep x 50 ft wide
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	411 GARFIELD ST
City	OCEANSIDE
State	CA
Zip	92054-3308
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 34 TR 002067
Legal Subdivision	WILDER ADD TO OCEANSIDE
Legal Tract	002067
Legal Block	2
Legal Lot Number	34
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2002
Census Tract	18202

Owner

411 Garfield St is owned and occupied by two individuals who bought it in March 2019.

Source: San Diego County records, as of July 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	411 GARFIELD ST, OCEANSIDE, CA 92054-3308
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jul 29, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Feb 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage WINNPOINTE CORPORATION
Nov 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage INTERCONTINENTAL CAPITAL GROUP INC
Mar 28, 2019	Grant Deed, Transfer · Conventional with PMI OPTIMUM FIRST INC
Nov 30, 2018	Deed of Trust, Mortgage · Conventional Mortgage RENOVATION REALTY INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 28, 2019 · Amount on File
Deed Sale	Mar 28, 2019 · Amount on File
Prior Sale	Aug 27, 2012 · Amount on File
Deed Document Number	2019111143
Prior Transfer Date	Aug 10, 2012
Prior Transfer Doc	0000510998
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	411 GARFIELD ST, OCEANSIDE, CA 92054-3308
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 GARFIELD ST, OCEANSIDE, CA 92054-3308

Mortgage

Document Number	0000310430
Date	Jul 29, 2022
Instrument	2022-0310430

Lender

Name	PNC BANK NA
Type	Bank
Address	DAYTON, OH 45401

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	479 Months
Due	Jun 25, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	411 GARFIELD ST, OCEANSIDE, CA 92054-3308
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ORANGE COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000093244
Date	Feb 25, 2020
Instrument	2020-0093244

Lender

Name	WINNPOINTE CORPORATION
Type	Mortgage Company
Address	ORANGE, CA 92868

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	411 GARFIELD ST, OCEANSIDE, CA 92054-3308
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NATIONWIDE TTL CLEARING INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 GARFIELD ST, OCEANSIDE, CA 92054-3308

Mortgage

Document Number	0000681097
Date	Nov 3, 2020
Instrument	2020-0681097

Lender

Name	INTERCONTINENTAL CAPITAL GROUP INC
Type	Mortgage Company
Address	MELVILLE, NY 11747

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

March 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 28, 2019
Property Address	411 GARFIELD ST, OCEANSIDE, CA 92054-3308
Document Number	0000111143
Instrument Date	Mar 4, 2019
Instrument	111143
Transaction Type	Transfer
Record Updated	Apr 5, 2019
Title Company	LAWYERS TITLE-SD

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$577.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	411 GARFIELD ST OCEANSIDE CA 920543308, OCEANSIDE, CA 92054-3308

Mortgage

Document Number	111144
Date	Mar 28, 2019
Instrument	111144

Lender

Name	OPTIMUM FIRST INC
Address	FOUNTAIN VALLEY, CA 92708

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Mar 27, 2049

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	411 GARFIELD ST, OCEANSIDE, CA 92054-3308
Document Number	0000498251
Instrument Date	Nov 30, 2018
Transaction Type	Mortgage
Record Updated	Dec 11, 2018
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 GARFIELD ST OCEANSIDE CA 920543308, OCEANSIDE, CA 92054-3308

Mortgage

Document Number	0000498251
Date	Dec 4, 2018
Instrument	498251

Lender

Name	RENOVATION REALTY INC
Type	Funding / Finance Company
Address	SAN DIEGO, CA 92123

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 411 Garfield St was $6,518 with a homeowner's exemption.

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		$597,352 (+2%) Land $428,294 Building $169,058
2025	$6,518.00 Homeowner's exemption	$585,641 Land $419,897 Building $165,744
2023	$6,194.00 (+1.56%) Homeowner's exemption	$562,902 Land $403,593 Building $159,309
2022	$6,099.00

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

Flood

FEMA maps place 411 Garfield 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 411 Garfield 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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