541 Garfield St, Oceanside, CA 92054 Property Records

San Diego County property record for 541 Garfield St, Oceanside, CA 92054

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,512 sqft · built 1961
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Individual Names on File
Last Sale	$615,000 (May 2016)
Tax Bill	$8,187 (2025)
Deeds & Mortgages	Jan 2019 Second Mortgage Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`150-252-12-00`

Property Details

APN / Parcel Number

Primary APN	`150-252-12-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,512 sqft Living Area

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Lot Area	6,000 sqft (0.138 acres)
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	541 GARFIELD ST
City	OCEANSIDE
State	CA
Zip	92054-4209
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	BLK 4 LOTS 21 & 22 TR 000151
Legal Subdivision	WILSON & PATTONS SUB
Legal Tract	000151
Legal Block	4
Legal Lot Number	21,22
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2004
Census Tract	18202

Owner

Source: San Diego County assessment roll, 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	2 Individual Names on File
Mailing Address	541 GARFIELD ST, OCEANSIDE, CA 92054-4209
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jan 23, 2019	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MISSION FCU
Sep 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Mar 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 27, 2016 · Amount on Record
Deed Sale	May 27, 2016 · Amount on Record
Prior Sale	Mar 20, 2013 · Amount on Record
Deed Document Number	2016262541
Prior Transfer Date	Dec 23, 1996
Prior Transfer Doc	0000202705
Record Updated	Sep 20, 2026

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	541 GARFIELD ST, OCEANSIDE, CA 92054-4209
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	541 GARFIELD ST, OCEANSIDE, CA 92054-4209

Mortgage

Document Number	0000023386
Date	Jan 23, 2019
Instrument	2019-0023386

Lender

Name	MISSION FCU
Type	Credit Union
Address	SAN DIEGO, CA 92191

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Feb 1, 2029

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	541 GARFIELD ST, OCEANSIDE, CA 92054-4209
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NORTH AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	541 GARFIELD ST, OCEANSIDE, CA 92054-4209

Mortgage

Document Number	0000568508
Date	Sep 24, 2020
Instrument	2020-0568508

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

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

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	541 GARFIELD ST, OCEANSIDE, CA 92054-4209
Document Number	0000287284
Instrument Date	Mar 24, 2020
Transaction Type	Mortgage
Record Updated	Jun 16, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	541 GARFIELD ST OCEANSIDE CA 920544209, OCEANSIDE, CA 92054-4209

Mortgage

Document Number	0000287284
Date	Jun 5, 2020
Instrument	287284

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 4, 2050

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		$742,588 (+2%) Land $591,657 Building $150,931
2025	$8,187.00 (+5.18%)	$728,028 (+4.04%) Land $580,056 Building $147,972
2023	$7,784.00 (+1.53%)	$699,760 Land $557,533 Building $142,227
2022	$7,667.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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

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 USA Fixed Wireless	100 / 20

May also be available: California Internet.

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