637 Ann St, Oceanside, CA 92057 Property Records

San Diego County property record for 637 Ann St, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,224 sqft · built 1970
Lot Size	0.142 acres (6,200 sqft)
Owner	2 Individual Names on Record
Last Sale	$435,000 (Apr 2020)
Tax Bill	$5,290 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`122-200-22-00`

Property Details

APN / Parcel Number

Primary APN	`122-200-22-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,224 sqft Living Area

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Lot Area	6,200 sqft (0.142 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	637 ANN ST
City	OCEANSIDE
State	CA
Zip	92057-3503
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 205 TR 006230
Legal Subdivision	MESA MARGARITA
Legal Tract	006230
Legal Block	1
Legal Lot Number	205
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1003
Census Tract	18617

Owner

Source: San Diego County records, as of July 21, 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	637 ANN ST, OCEANSIDE, CA 92057-3503
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 14, 2022	Deed of Trust, Mortgage · Line of Credit HOMETRUST BANK
Mar 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage MOVEMENT MORTGAGE
Apr 16, 2020	Grant Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
May 29, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 16, 2020 · Amount on Record
Deed Sale	Apr 16, 2020 · Amount on Record
Prior Sale	Dec 18, 2012 · Amount on Record
Deed Document Number	2020194670
Prior Transfer Date	Sep 2, 2017
Prior Transfer Doc	0000214472
Record Updated	Sep 20, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	637 ANN ST, OCEANSIDE, CA 92057-3503
Transaction Type	Mortgage
Record Updated	Nov 21, 2022
Title Company	TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	637 ANN ST, OCEANSIDE, CA 92057-3503

Mortgage

Document Number	0000435353
Date	Nov 14, 2022
Instrument	2022-0435353

Lender

Name	HOMETRUST BANK
Type	Bank
Address	ASHEVILLE, NC 28802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 13, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	637 ANN ST, OCEANSIDE, CA 92057-3503
Transaction Type	Mortgage
Record Updated	Mar 17, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	637 ANN ST, OCEANSIDE, CA 92057-3503

Mortgage

Document Number	0000171617
Date	Mar 5, 2021
Instrument	2021-0171617

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

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

April 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 16, 2020
Property Address	637 ANN ST, OCEANSIDE, CA 92057-3503
Document Number	0000194670
Map Reference	MAP NO 6230
Instrument Date	Apr 8, 2020
Instrument	2020-0194670
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	637 ANN ST, OCEANSIDE, CA 92057-3503

Mortgage

Document Number	0000194671
Date	Apr 16, 2020
Instrument	2020-0194671

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

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

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 29, 2018
Property Address	637 ANN ST, OCEANSIDE, CA 92057-3503
Document Number	0000214472
Instrument Date	Sep 2, 2017
Instrument	214472
Transaction Type	Transfer
Record Updated	Jun 4, 2018

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	9214 CARITA RD SANTEE CA 920712104, SANTEE, CA 92071-2104

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 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		$485,243 (+2%) Land $310,530 Building $174,713
2025	$5,290.00 (+5.25%) Homeowner's exemption	$475,730 (+4.04%) Land $304,442 Building $171,288
2023	$5,026.00 (+1.56%) Homeowner's exemption	$457,259 Land $292,621 Building $164,638
2022	$4,949.00

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	2 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 66% of the US · lower than 80% of California
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect 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	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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