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446 Mainsail Rd, Oceanside, CA 92054 Property Records

San Diego County property record for 446 Mainsail Rd, Oceanside, CA 92054

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,356 sqft · built 1981
Lot Size0.153 acres (6,648 sqft)
OwnerCompany Name on File
Last Sale$589,000 (Aug 2019)
Tax Bill$7,172 (2025)
Deeds & MortgagesJun 2020 Transfer
Jun 2020 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN162-462-38-00

Property Details

APN / Parcel Number

Primary APN162-462-38-00
Alternative APN
  • 1624632700

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms5 Rooms
Stories1 Story
Building Area1,356 sqft Living Area
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1981
Effective Year BuiltEffective 1981
Architectural StyleConventional
Exterior MaterialWood
Roof MaterialWood Shingle
Lot Area6,648 sqft (0.153 acres)
Garage TypeCarport
CarportCarport
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Old Parcel Number1624632700
Street Address446 MAINSAIL RD
CityOCEANSIDE
StateCA
Zip92054-4775
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRS
Legal DescriptionLOT 142 (EX NELY 7.50 FT) TR 009359
Legal SubdivisionSEA MESA
Legal Tract009359
Legal Block4
Legal Lot Number142
JurisdictionSAN DIEGO CA
Township / Civil DivisionOCEANSIDE-ESCONDIDO
Census Block Group4
Census Block4000
Census Tract18511

Owner

Source: San Diego County records · APN 162-462-38-00

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 RecordCompany Name on File
Mailing Address446 MAINSAIL RD, OCEANSIDE, CA 92054-4775
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust, Living Trust

Deeds, Mortgages & Sale History

DateDocument
Jun 08, 2020Quit Claim Deed, Transfer
NOT AVAILABLE
Jun 05, 2020Quit Claim Deed, Transfer
QUICKEN LNS
Aug 13, 2019Grant Deed, Transfer · ARM
NOVA FINANCIAL & INVESTMENT CORP

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleAug 13, 2019 · Amount on Record
Deed SaleAug 13, 2019 · Amount on Record
Prior SaleJul 22, 2016 · Amount on Record
Deed Document Number2019341820
Last Transfer DateMay 01, 2020
Transfer Doc0000290226
Record UpdatedSep 20, 2026

June 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSAN DIEGO CA
Recording DateJun 08, 2020
Property Address446 MAINSAIL RD, OCEANSIDE, CA 92054-4775
Document Number0000290226
Instrument DateMay 01, 2020
Instrument290226
Transaction TypeTransfer
Record UpdatedJun 17, 2020
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address46 MAINSAIL RD OCEANSIDE CA 92054, OCEANSIDE, CA 92054

June 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSAN DIEGO CA
Recording DateJun 05, 2020
Property Address446 MAINSAIL RD, OCEANSIDE, CA 92054-4775
Document Number0000288690
Instrument DateMay 01, 2020
Instrument288690
Transaction TypeTransfer
Record UpdatedJun 16, 2020
Title CompanyCHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address446 MAINSAIL RD OCEANSIDE CA 920544775, OCEANSIDE, CA 92054-4775

Mortgage

Document Number288691
DateJun 05, 2020
Instrument288691
Lender
NameQUICKEN LNS
TypeFunding / Finance Company
AddressDETROIT, MI 48226-1906
Agreement
AmountAmount Recorded
Term360 Months
DueJun 04, 2050

August 2019: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSAN DIEGO CA
Recording DateAug 13, 2019
Property Address446 MAINSAIL RD, OCEANSIDE, CA 92054-4775
Document Number0000341820
Map ReferenceMAP 9359
Instrument DateJul 16, 2019
Instrument2019-0341820
Transaction TypeTransfer
Record UpdatedAug 24, 2021
Title CompanyTICOR TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Living Trust
Address446 MAINSAIL RD, OCEANSIDE, CA 92054-4775

Mortgage

Document Number0000341821
DateAug 13, 2019
Instrument2019-0341821
Lender
NameNOVA FINANCIAL & INVESTMENT CORP
TypeFunding / Finance Company
Agreement
TypeARM
AmountAmount Recorded
Term361 Months
DueSep 01, 2049
Interest
Rate TypeAdjustable Rate
Rate6.5%
Type Change DateSep 01, 2022
Change FrequencyAnnually
Min Rate At Change5%
Max Rate At Change8.5%
Index1-Year LIBOR
Margin5
Max Rate12.5%

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateCalifornia
CountySan Diego County
MunicipalityOceanside City
Unified School DistrictOceanside Unified School District (KG - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed Value
2026$657,034 (+2%) Land $395,717 Building $261,317
2025$7,172.00 (+5.22%) Homeowner's exemption$644,152 (+4.04%) Land $387,958 Building $256,194
2023$6,816.00 (+1.56%) Homeowner's exemption$619,141 Land $372,894 Building $246,247
2022$6,711.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 3, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 17 policies
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies17 in force
Nearby Flood Claims9 (1980–1998)
Most Recent ClaimFeb 1998 · Severe Winter Storms And Flooding
Claims by Event
  • Severe Winter Storms And Flooding, Feb 1998 · 2 claims

Wildfire

Wildfire RiskNot rated
no burnable land within 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 as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Cox Communications
Cable		2,000 / 100
Verizon
Fixed Wireless		300 / 20
Starlink
Satellite		280 / 30
T-Mobile USA
Fixed Wireless		100 / 20
AT&T
DSL · Fixed Wireless in parts of the area		100 / 20

May also be available: California Internet.

Based on FCC filings for 451 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemArviso - Mobile Home Park
private · serves 70 people
Water SourceGroundwater
Last State InspectionFeb 2026
Also Mapped HereSAN DIEGO COUNTY WATER AUTHORITY, CITY OF OCEANSIDE
LeadBelow detection (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureColiform assessment
Dec 2019
Monitoring and Reporting26
last 3 years

Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.

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