428 Lexington Cir, Oceanside, CA 92057 Property Records

San Diego County property record for 428 Lexington Cir, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,277 sqft · built 2000
Lot Size	0.184 acres (8,000 sqft)
Owner	Company Name on File
Last Sale	$293,000 (Jul 1999)
Tax Bill	$3,123 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Jul 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`160-621-64-00`

Property Details

APN / Parcel Number

Primary APN	`160-621-64-00`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Building Area	3,277 sqft Living Area

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Lot Area	8,000 sqft (0.184 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	428 LEXINGTON CIR
City	OCEANSIDE
State	CA
Zip	92057-7351
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-B
Legal Description	LOT 64 TR 013556
Legal Subdivision	IVEY RANCH
Legal Tract	013556
Legal Block	2
Legal Lot Number	64
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2003
Census Tract	18523

Owner

428 Lexington Cir is owned by a company that acquired it in June 2013 and is owner-occupied.

Source: San Diego County records, as of October 6, 2026

Owner of Record	Company Name on File
Mailing Address	428 LEXINGTON CIR, OCEANSIDE, CA 92057-7351
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

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
Sep 28, 2026	Deed of Trust, Mortgage · Line of Credit UNION CREDIT UNION
Jul 1, 2021	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Nov 1, 2021	Deed of Trust, Mortgage · Line of Credit FRONTWAVE CU
Aug 11, 2020	Deed of Trust, Mortgage · Line of Credit FRONTWAVE CU
Jul 9, 2020	Deed of Trust, Mortgage · VA Mortgage FRONTWAVE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 20, 1999 · Amount on File
Deed Sale	Jul 20, 1999 · Amount on File
Deed Document Number	1999502909
Last Transfer Date	Jun 7, 2013
Transfer Doc	0000374942
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 28, 2026
Property Address	428 LEXINGTON CIR, OCEANSIDE, CA 92057-7351
Document Number	0000281544
Instrument Date	Sep 22, 2026
Instrument	2026281544
Transaction Type	Mortgage
Record Updated	Oct 6, 2026
Title Company	STEWART TITLE, STEWART TITLE OF CALIFORNIA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust, 212
Address	428 LEXINGTON CIR, OCEANSIDE, CA 92057-7351

Mortgage

Document Number	0000281544,
Date	Sep 28, 2026
Instrument	2026281544

Lender

Name	UNION CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Sep 24, 2051

Interest

Max Rate	-1%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	428 LEXINGTON CIR, OCEANSIDE, CA 92057-7351
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	AMERICAN SW TITLE, AMERICAN COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 LEXINGTON CIR, OCEANSIDE, CA 92057-7351

Mortgage

Document Number	0000478690
Date	Jul 1, 2021
Instrument	2021-0478690

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	428 LEXINGTON CIR, OCEANSIDE, CA 92057-7351
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000757104
Date	Nov 1, 2021
Instrument	2021-0757104

Lender

Name	FRONTWAVE CU
Type	Credit Union
Address	OCEANSIDE, CA 92056

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	298 Months
Due	Sep 25, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	428 LEXINGTON CIR, OCEANSIDE, CA 92057-7351
Document Number	0000472941
Instrument Date	Aug 11, 2020
Transaction Type	Mortgage
Record Updated	Sep 3, 2020
Title Company	CHICAGO TITLE PIRT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	428 LEXINGTON CIR OCEANSIDE CA 920577351, OCEANSIDE, CA 92057-7351

Mortgage

Document Number	0000472941
Date	Aug 21, 2020
Instrument	472941

Lender

Name	FRONTWAVE CU
Address	OCEANSIDE, CA 92056

Agreement

Type	Line of Credit
Term	300 Months
Due	Aug 20, 2045

Interest

Rate Type	Adjustable Rate

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	428 LEXINGTON CIR, OCEANSIDE, CA 92057-7351
Document Number	0000375755
Instrument Date	Jul 9, 2020
Transaction Type	Mortgage
Record Updated	Jul 24, 2020
Title Company	STEWART TITLE, STEWART TITLE/CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	428 LEXINGTON CIR OCEANSIDE CA 920577351, OCEANSIDE, CA 92057-7351

Mortgage

Document Number	0000375755
Date	Jul 14, 2020
Instrument	375755

Lender

Name	FRONTWAVE CU
Address	OCEANSIDE, CA 92056

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 13, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 428 Lexington Cir was $3,123 with a veteran'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		$459,160 (+2%) Land $133,246 Building $325,914
2025	$3,123.00	$450,158 Land $130,634 Building $319,524
2023	$3,051.00 (-34.82%) Homeowner's exemption	$432,679 Land $125,562 Building $307,117
2022	$4,681.00

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

Flood

FEMA maps place 428 Lexington Cir in Zone X, an area of minimal flood risk.

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	2 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

Wildfire risk around 428 Lexington Cir is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 97.8% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 399 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, GeoLinks.

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