438 Creek Rd, Oceanside, CA 92058 Property Records

San Diego County property record for 438 Creek Rd, Oceanside, CA 92058 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,260 sqft · built 1981
Lot Size	0.135 acres (5,888 sqft)
Owner	2 Individual Names on File
Last Sale	$255,000 (Dec 2008)
Tax Bill	$3,643 (2025)
Deeds & Mortgages	Sep 2020 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`158-352-07-00`

Property Details

APN / Parcel Number

Primary APN	`158-352-07-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,260 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	5,888 sqft (0.135 acres)
Lot Dimensions	100 ft deep x 60 ft wide
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	438 CREEK RD
City	OCEANSIDE
State	CA
Zip	92058-1647
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 24 TR 009606
Legal Subdivision	ORCHARD CREEK
Legal Tract	009606
Legal Block	2
Legal Lot Number	24
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2000
Census Tract	18622

Owner

Source: San Diego County records · APN 158-352-07-00

Assessment roll updated July 21, 2026 · Last verified July 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 File
Mailing Address	438 CREEK RD, OCEANSIDE, CA 92058-1647
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 03, 2008 · Amount on Record
Deed Sale	Dec 03, 2008 · Amount on Record
Prior Sale	Feb 12, 2008 · Amount on Record
Deed Document Number	2008618978
Prior Transfer Date	Jun 10, 1999
Prior Transfer Doc	0000593240
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	438 CREEK RD, OCEANSIDE, CA 92058-1647
Document Number	0000524941
Instrument Date	Sep 01, 2020
Transaction Type	Mortgage
Record Updated	Sep 18, 2020
Title Company	STEWART TITLE, STEWART TITLE/CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	438 CREEK RD OCEANSIDE CA 920581647, OCEANSIDE, CA 92058-1647

Mortgage

Document Number	0000524941
Date	Sep 09, 2020
Instrument	524941

Lender

Name	FRONTWAVE CU
Address	OCEANSIDE, CA 92056

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 08, 2035

Tax Assessment & Valuation

Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value
2026		$334,931 (+2%) Land $190,453 Building $144,478
2025	$3,643.00 (+5.29%) Homeowner's exemption	$328,365 (+4.04%) Land $186,719 Building $141,646
2023	$3,460.00 (+1.56%) Homeowner's exemption	$315,616 Land $179,469 Building $136,147
2022	$3,407.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, San Diego County (06073C), updated September 3, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060730186222, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Moderate
500-Year Floodplain	Yes
Nearest Special Flood Hazard Area	Zone A99, within 100 ft
Flood Insurance Cost	Premium on Record median of 69 individual NFIP policies nearby
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	102 units insured 33 under condo master policies

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 645 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cox Communications	Cable	2,000 / 100
AT&T	DSL	100 / 20

May also be available at this address: Verizon, T-Mobile USA, AT&T, Generate-Ubiquity Holdings. Availability varies by address; speeds are provider-advertised maximums, not measured.