540 Garfield St, Oceanside, CA 92054 Property Records

San Diego County property record for 540 Garfield St, Oceanside, CA 92054

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,116 sqft · built 1958
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,215,000 (Jul 2024)
Tax Bill	$11,670 (2025)
Deeds & Mortgages	Oct 2021 Transfer Oct 2021 Mortgage + 9 more
Flood Zone	Zone X (minimal risk)
APN	`150-251-13-00`

Property Details

APN / Parcel Number

Primary APN	`150-251-13-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,116 sqft Living Area

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	6,000 sqft (0.138 acres)
Lot Dimensions	100 ft deep x 60 ft wide
Garage Type	Attached

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	540 GARFIELD ST
City	OCEANSIDE
State	CA
Zip	92054-4210
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	BLK 1 LOTS 29 & 30 TR 000151
Legal Subdivision	WILSON & PATTONS SUB
Legal Tract	000151
Legal Block	1
Legal Lot Number	29,30
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2004
Census Tract	18201

Owner

Source: San Diego County records, as of August 25, 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	540 GARFIELD ST, OCEANSIDE, CA 92054-4210
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2021	Intrafamily Transfer, Transfer ACCOMMODATION
Oct 5, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 3, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 4, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Dec 5, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Dec 4, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 3, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 4, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Nov 28, 2018	Quit Claim Deed, Transfer Quitclaim
Nov 27, 2018	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 27, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2024 · Amount on Record
Deed Sale	Jul 1, 2024 · Amount on Record
Prior Sale	Jan 28, 2010 · Amount on Record
Deed Document Number	2024166478
Prior Transfer Date	Sep 27, 2021
Prior Transfer Doc	0000694360
Record Updated	Oct 29, 2026

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 5, 2021
Property Address	540 GARFIELD ST, OCEANSIDE, CA 92054-4210
Document Number	0000695504
Map Reference	MAP 151
Instrument Date	Sep 27, 2021
Instrument	2021-0695504
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

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	Family Trust
Address	1790 FELICITA LN, VISTA, CA 92083-1954

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 5, 2021
Property Address	540 GARFIELD ST, OCEANSIDE, CA 92054-4210
Document Number	0000694360
Map Reference	MAP 151
Instrument Date	Sep 27, 2021
Instrument	2021-0694360
Transaction Type	Transfer
Record Updated	Oct 13, 2021
Title Company	FIRST AMERICAN 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	1790 FELICITA LN, VISTA, CA 92083-1954

Mortgage

Document Number	0000694361
Date	Oct 5, 2021
Instrument	2021-0694361

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

June 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 3, 2020
Property Address	540 GARFIELD ST, OCEANSIDE, CA 92054-4210
Document Number	0000284227
Map Reference	MAP 151
Instrument Date	May 27, 2020
Instrument	2020-0284227
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN 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	1790 FELICITA LN, VISTA, CA 92083-1954

Mortgage

Document Number	0000284228
Date	Jun 3, 2020
Instrument	2020-0284228

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 4, 2020
Property Address	540 GARFIELD ST, OCEANSIDE, CA 92054-4210
Document Number	0000284396
Instrument Date	May 26, 2020
Instrument	284396
Transaction Type	Transfer
Record Updated	Jun 12, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	1790 FELICITA LN VISTA CA 920831954, VISTA, CA 92083-1954

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 5, 2019
Property Address	540 GARFIELD ST, OCEANSIDE, CA 92054-4210
Document Number	0000564620
Instrument Date	Dec 3, 2019
Instrument	564620
Transaction Type	Transfer
Record Updated	Dec 13, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	1790 FELICITA LN VISTA CA 920831954, VISTA, CA 92083-1954

December 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 4, 2019
Property Address	540 GARFIELD ST, OCEANSIDE, CA 92054-4210
Document Number	0000564448
Map Reference	MAP 151
Instrument Date	Dec 3, 2019
Instrument	2019-0564448
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN 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	1790 FELICITA LN, VISTA, CA 92083-1954

Mortgage

Document Number	0000564449
Date	Dec 4, 2019
Instrument	2019-0564449

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

June 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 3, 2019
Property Address	540 GARFIELD ST, OCEANSIDE, CA 92054-4210
Document Number	0000212896
Map Reference	MAP 151
Instrument Date	May 29, 2019
Instrument	2019-0212896
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN 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	1790 FELICITA LN, VISTA, CA 92083-1954

Mortgage

Document Number	0000212897
Date	Jun 3, 2019
Instrument	2019-0212897

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2049

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 4, 2019
Property Address	540 GARFIELD ST, OCEANSIDE, CA 92054-4210
Document Number	0000213145
Instrument Date	May 29, 2019
Instrument	213145
Transaction Type	Transfer
Record Updated	Jun 12, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	1790 FELICITA LN VISTA CA 920831954, VISTA, CA 92083-1954

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 28, 2018
Property Address	540 GARFIELD ST, OCEANSIDE, CA 92054-4210
Document Number	0000490187
Instrument Date	Nov 20, 2018
Instrument	490187
Transaction Type	Transfer
Record Updated	Dec 6, 2018

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	540 GARFIELD ST OCEANSIDE CA 920544210, OCEANSIDE, CA 92054-4210

November 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 27, 2018
Property Address	540 GARFIELD ST, OCEANSIDE, CA 92054-4210
Document Number	0000490099
Map Reference	MAP 151
Instrument Date	Nov 20, 2018
Instrument	2018-0490099
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN 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	540 GARFIELD ST, OCEANSIDE, CA 92054-4210

Mortgage

Document Number	0000490100
Date	Nov 27, 2018
Instrument	2018-0490100

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 27, 2017
Property Address	540 GARFIELD ST, OCEANSIDE, CA 92054-4210
Document Number	0000548656
Instrument Date	Oct 19, 2017
Instrument	548656
Transaction Type	Transfer
Record Updated	Dec 1, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	3548 SEA RIDGE RD OCEANSIDE CA 920544613, OCEANSIDE, CA 92054-4613

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		$1,239,300 (+2%) Land $1,045,500 Building $193,800
2025	$11,670.00 (+151.35%)	$1,215,000 (+192.34%) Land $1,025,000 Building $190,000
2023	$4,643.00 (+1.53%)	$415,619 Land $310,165 Building $105,454
2022	$4,573.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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	5 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	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 538 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks.

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