430 Mainsail Rd, Oceanside, CA 92054 Property Records

San Diego County property record for 430 Mainsail Rd, Oceanside, CA 92054

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,154 sqft · built 1981
Lot Size	0.158 acres (6,897 sqft)
Owner	Individual Name on Record
Last Sale	$218,000 (Oct 1999)
Tax Bill	$3,722 (2025)
Deeds & Mortgages	Feb 2022 Line of Credit May 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`162-462-23-00`

Property Details

APN / Parcel Number

Primary APN	`162-462-23-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,154 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Exterior Material	Stucco
Roof Material	Wood Shingle
Lot Area	6,897 sqft (0.158 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	430 MAINSAIL RD
City	OCEANSIDE
State	CA
Zip	92054-4775
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 138 TR 009359
Legal Subdivision	SEA MESA
Legal Tract	009359
Legal Block	4
Legal Lot Number	138
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	4
Census Block	4000
Census Tract	18511

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	Individual Name on Record
Mailing Address	2735 CAZADERO DR, CARLSBAD, CA 92009-5814
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2022	Deed of Trust, Mortgage · Line of Credit ZB NA
May 8, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIRST CALIFORNIA FUNDING
Oct 2, 2017	Deed of Trust, Mortgage · Line of Credit TCF NATIONAL BANK
Feb 8, 2019	Deed of Trust, Mortgage · Line of Credit CALIFORNIA BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 5, 1999 · Amount on Record
Deed Sale	Oct 5, 1999 · Amount on Record
Prior Sale	Jul 3, 1995 · Amount on Record
Deed Document Number	1999674555
Last Transfer Date	Feb 4, 2016
Transfer Doc	0000057079
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	430 MAINSAIL RD, OCEANSIDE, CA 92054-4775
Transaction Type	Mortgage
Record Updated	Feb 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	430 MAINSAIL RD, OCEANSIDE, CA 92054-4775

Mortgage

Document Number	0000062640
Date	Feb 10, 2022
Instrument	2022-0062640

Lender

Name	ZB NA
Type	Bank
Address	CARLSBAD, CA 92011

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	430 MAINSAIL RD, OCEANSIDE, CA 92054-4775
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000205458
Date	May 8, 2017
Instrument	2017-0205458

Lender

Name	FIRST CALIFORNIA FUNDING
Type	Mortgage Company
Address	SAN DIEGO, CA 92123

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2032

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	430 MAINSAIL RD, OCEANSIDE, CA 92054-4775
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000453088
Date	Oct 2, 2017
Instrument	2017-0453088

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Sep 23, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	430 MAINSAIL RD, OCEANSIDE, CA 92054-4775
Document Number	0000065291
Instrument Date	Feb 8, 2019
Transaction Type	Mortgage
Record Updated	Mar 4, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	430 MAINSAIL RD OCEANSIDE CA 920544775, OCEANSIDE, CA 92054-4775

Mortgage

Document Number	0000065291
Date	Feb 25, 2019
Instrument	65291

Lender

Name	CALIFORNIA BK&TR
Type	Bank
Address	CARLSBAD, CA 92011

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$335,037 (+2%) Land $97,264 Building $237,773
2025	$3,722.00 (+5.17%)	$328,468 (+4.04%) Land $95,357 Building $233,111
2023	$3,539.00 (+1.55%)	$315,715 Land $91,655 Building $224,060
2022	$3,485.00

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 17 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	17 in force
Nearby Flood Claims	9 (1980–1998)
Most Recent Claim	Feb 1998 · Severe Winter Storms And Flooding
Claims by Event	Severe Winter Storms And Flooding, Feb 1998 · 2 claims

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	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 451 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
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

May also be available: GeoLinks.

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