San Diego County property record for 421 Via Cruz, Oceanside, CA 92057
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,921 sqft · built 1990 |
| Lot Size | 0.1 acres (4,372 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $583,000 (Apr 2019) |
| Tax Bill | $7,228 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage Jul 2020 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 160-590-05-00 |
| Primary APN | 160-590-05-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,921 sqft Living Area |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Lot Area | 4,372 sqft (0.1 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 421 VIA CRUZ |
|---|---|
| City | OCEANSIDE |
| State | CA |
| Zip | 92057-8533 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RM-A |
| Legal Description | LOT 34 TR 012349 |
| Legal Subdivision | MESA VISTA |
| Legal Tract | 012349 |
| 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 | 18522 |
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 | 421 VIA CRUZ, OCEANSIDE, CA 92057-8533 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jul 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NMSI INC |
| Jul 27, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BAY VALLEY MORTGAGE GROUP |
| Apr 26, 2019 | Grant Deed, Transfer · Conventional Mortgage BAY VALLEY MORTGAGE GROUP |
| Mar 27, 2019 | Quit Claim Deed, Transfer TICOR TITLE SAN DIEGO BR |
| Sep 29, 2017 | Intrafamily Transfer, Transfer · ARM DITECH FINANCIAL LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 26, 2019 · Amount on Record |
| Deed Sale | Apr 26, 2019 · Amount on Record |
| Prior Sale | Apr 30, 2003 · Amount on Record |
| Deed Document Number | 2019154355 |
| Prior Transfer Date | Nov 7, 2018 |
| Prior Transfer Doc | 0000108803 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 421 VIA CRUZ, OCEANSIDE, CA 92057-8533 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2021 |
| Title Company | WFG NATIONAL TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 421 VIA CRUZ, OCEANSIDE, CA 92057-8533 |
| Document Number | 0000513789 |
|---|---|
| Date | Jul 19, 2021 |
| Instrument | 2021-0513789 |
| Name | NMSI INC |
|---|---|
| Type | Mortgage Company |
| Address | LOS ANGELES, CA 90010 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 421 VIA CRUZ, OCEANSIDE, CA 92057-8533 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | WFG NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000408388 |
|---|---|
| Date | Jul 27, 2020 |
| Instrument | 2020-0408388 |
| Name | BAY VALLEY MORTGAGE GROUP |
|---|---|
| Type | Mortgage Company |
| Address | GARDEN GROVE, CA 92841 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Apr 26, 2019 |
| Property Address | 421 VIA CRUZ, OCEANSIDE, CA 92057-8533 |
| Document Number | 0000154355 |
| Map Reference | MAP 12349 |
| Instrument Date | Apr 3, 2019 |
| Instrument | 2019-0154355 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Title Company | TICOR TITLE CO SD BRANCH |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 421 VIA CRUZ, OCEANSIDE, CA 92057-8533 |
| Document Number | 0000154356 |
|---|---|
| Date | Apr 26, 2019 |
| Instrument | 2019-0154356 |
| Name | BAY VALLEY MORTGAGE GROUP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Mar 27, 2019 |
| Property Address | 421 VIA CRUZ, OCEANSIDE, CA 92057-8533 |
| Document Number | 0000108803 |
| Instrument Date | Nov 7, 2018 |
| Instrument | 108803 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2019 |
| Title Company | TICOR TITLE SAN DIEGO BR |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 421 VIA CRUZ OCEANSIDE CA 920578533, OCEANSIDE, CA 92057-8533 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Sep 29, 2017 |
| Property Address | 421 VIA CRUZ, OCEANSIDE, CA 92057-8533 |
| Document Number | 0000448761 |
| Map Reference | MAP12349 |
| Instrument Date | Sep 21, 2017 |
| Instrument | 2017-0448761 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Title Company | FIRST AMERICAN TITLE INS CO |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 421 VIA CRUZ, OCEANSIDE, CA 92057-8533 |
| Investor | Possibly a Property Investor |
| Document Number | 0000448762 |
|---|---|
| Date | Sep 29, 2017 |
| Instrument | 2017-0448762 |
| Name | DITECH FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
| Type Change Date | Oct 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 9% |
| Index | 1-Year LIBOR |
| Max Rate | 9% |
Source: San Diego County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Municipality | Oceanside City |
| Unified School District | Oceanside Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $663,348 (+2%) Land $341,151 Building $322,197 | |
| 2025 | $7,228.00 (+5.23%) Homeowner's exemption | $650,342 (+4.04%) Land $334,462 Building $315,880 |
| 2023 | $6,869.00 (+1.57%) Homeowner's exemption | $625,090 Land $321,475 Building $303,615 |
| 2022 | $6,763.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 1 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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 606 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
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