521 Luna Dr, Oceanside, CA 92057 Property Records

San Diego County property record for 521 Luna Dr, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,248 sqft · built 1966
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$95,100 (Oct 1987)
Tax Bill	$2,008 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Feb 2023 Second Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`157-070-22-00`

Property Details

APN / Parcel Number

Primary APN	`157-070-22-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,248 sqft Living Area

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Lot Area	6,000 sqft (0.138 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	521 LUNA DR
City	OCEANSIDE
State	CA
Zip	92057-4329
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 378 TR 005496
Legal Subdivision	MISSION VALLEY BALL PARK
Legal Tract	005496
Legal Block	2
Legal Lot Number	378
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2005
Census Tract	18617

Owner

Source: San Diego County records, as of August 13, 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	1486 MOUNTAIN MEADOW DR, OCEANSIDE, CA 92056-2239
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2026	Deed of Trust, Mortgage · Line of Credit LEAD BANK
Feb 24, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC
Apr 30, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage PURPOSE FUNDING INC
Apr 30, 2021	Affidavit of Death of Joint Tenant, Transfer PACIFIC VA TITLE, PACIFIC COAST TITLE
May 3, 2021	Intrafamily Transfer, Transfer PACIFIC VA TITLE, PACIFIC COAST TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 1987 · Amount on Record
Deed Sale	Oct 1, 1987 · Amount on Record
Deed Document Number	1987554751
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 5, 2026
Property Address	521 LUNA DR, OCEANSIDE, CA 92057-4329
Document Number	0000226869
Instrument Date	Jul 30, 2026
Instrument	2026226869
Transaction Type	Mortgage
Record Updated	Aug 13, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32775 MOUNTAIN VIEW RD, BONSALL, CA 92003-3306

Mortgage

Document Number	0000226869,
Date	Aug 5, 2026
Instrument	2026226869

Lender

Name	LEAD BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jul 30, 2046

Interest

Rate	6.43%
Max Rate	-1%

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	521 LUNA DR, OCEANSIDE, CA 92057-4329
Transaction Type	Mortgage
Record Updated	Mar 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1486 MOUNTAIN MEADOW DR, OCEANSIDE, CA 92056-2239

Mortgage

Document Number	0000047528
Date	Feb 24, 2023
Instrument	2023-0047528

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	WAYNE, PA 19087

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 30, 2021
Property Address	521 LUNA DR, OCEANSIDE, CA 92057-4329
Document Number	0000332974
Map Reference	MAP 5496
Instrument Date	Apr 27, 2021
Instrument	2021-0332974
Transaction Type	Transfer
Record Updated	May 12, 2021
Title Company	PACIFIC VA TITLE, PACIFIC COAST TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	521 LUNA DR, OCEANSIDE, CA 92057-4329

Mortgage

Document Number	0000332976
Date	Apr 30, 2021
Instrument	2021-0332976

Lender

Name	PURPOSE FUNDING INC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

April 2021: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 30, 2021
Property Address	521 LUNA DR, OCEANSIDE, CA 92057-4329
Document Number	0000332975
Map Reference	MAP 5496
Instrument Date	Apr 27, 2021
Instrument	2021-0332975
Transaction Type	Transfer
Record Updated	May 12, 2021
Title Company	PACIFIC VA TITLE, PACIFIC COAST TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	May 3, 2021
Property Address	521 LUNA DR, OCEANSIDE, CA 92057-4329
Document Number	0000339946
Map Reference	MAP 5496
Instrument Date	Apr 22, 2021
Instrument	2021-0339946
Transaction Type	Transfer
Record Updated	May 13, 2021
Title Company	PACIFIC VA TITLE, PACIFIC COAST TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	521 LUNA DR, OCEANSIDE, CA 92057-4329

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		$714,000 (+292.19%) Land $591,600 Building $122,400
2025	$2,008.00 (+5.35%)	$182,056 (+4.04%) Land $45,801 Building $136,255
2023	$1,906.00 (+1.6%) Homeowner's exemption	$174,988 Land $44,023 Building $130,965
2022	$1,876.00

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
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.

Wildfire

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

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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	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 677 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Fiber · Cable in parts of the area	2,000 / 35
San Diego Broadband Fixed Wireless	500 / 100
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Verizon.

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