620 Elaine Ave, Oceanside, CA 92057 Property Records

San Diego County property record for 620 Elaine Ave, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,104 sqft · built 1967
Lot Size	0.163 acres (7,100 sqft)
Owner	Individual Name on Record
Last Sale	$265,000 (May 2011)
Tax Bill	$3,768 (2025)
Deeds & Mortgages	Jan 2023 Reverse Mortgage Sep 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`122-070-23-00`

Property Details

APN / Parcel Number

Primary APN	`122-070-23-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,104 sqft Living Area

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Architectural Style	Conventional
Exterior Material	Stucco
Roof Material	Composition Shingle
Lot Area	7,100 sqft (0.163 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	620 ELAINE AVE
City	OCEANSIDE
State	CA
Zip	92057-3537
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 76 TR 005715
Legal Subdivision	MESA MARGARITA
Legal Tract	005715
Legal Block	2
Legal Lot Number	76
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2004
Census Tract	18617

Owner

Source: San Diego County records, 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	Individual Name on Record
Mailing Address	620 ELAINE AVE, OCEANSIDE, CA 92057-3537
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2023	Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC
Sep 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage SAN DIEGO COUNTY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 16, 2011 · Amount on Record
Deed Sale	May 16, 2011 · Amount on Record
Prior Sale	Feb 2, 2011 · Amount on Record
Deed Document Number	2011251648
Prior Transfer Date	Aug 24, 2005
Prior Transfer Doc	0000747734
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	620 ELAINE AVE, OCEANSIDE, CA 92057-3537
Transaction Type	Mortgage
Record Updated	Jan 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	620 ELAINE AVE, OCEANSIDE, CA 92057-3537

Mortgage

Document Number	0000007338
Date	Jan 11, 2023
Instrument	2023-0007338

Lender

Name	FINANCE OF AMERICA REVERSE LLC
Type	Reverse Mortgage Lender
Address	TULSA, OK 74133

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	860 Months
Due	Sep 22, 2094

Interest

Rate Type	Adjustable Rate
Rate	6.46%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 1, 2023
Change Frequency	Monthly
Index	1-Year T-Bill
Max Rate	11.4%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	620 ELAINE AVE, OCEANSIDE, CA 92057-3537
Transaction Type	Mortgage
Record Updated	Sep 30, 2021
Title Company	WFG TITLE COMPANY/CA-SAN DIEGO, WFG TITLE CO OF CA SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	620 ELAINE AVE, OCEANSIDE, CA 92057-3537

Mortgage

Document Number	0000672099
Date	Sep 23, 2021
Instrument	2021-0672099

Lender

Name	SAN DIEGO COUNTY CU
Type	Credit Union
Address	SAN DIEGO, CA 92196

Agreement

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

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		$346,286 (+2%) Land $196,012 Building $150,274
2025	$3,768.00 (+5.28%) Homeowner's exemption	$339,497 (+4.04%) Land $192,169 Building $147,328
2023	$3,579.00 (+1.59%) Homeowner's exemption	$326,315 Land $184,707 Building $141,608
2022	$3,523.00

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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