San Diego County property record for 645 Ann St, Oceanside, CA 92057
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,470 sqft · built 1970 |
| Lot Size | 0.138 acres (6,000 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $385,000 (May 2014) |
| Tax Bill | $5,248 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 122-200-20-00 |
| Primary APN | 122-200-20-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,470 sqft Living Area |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Lot Area | 6,000 sqft (0.138 acres) |
| View / Lot | Good |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 645 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 203 TR 006230 |
| Legal Subdivision | MESA MARGARITA |
| Legal Tract | 006230 |
| Legal Block | 1 |
| Legal Lot Number | 203 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | OCEANSIDE-ESCONDIDO |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 18617 |
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 | 2 Company Names on Record |
|---|---|
| Mailing Address | 645 ANN ST, OCEANSIDE, CA 92057-3503 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 7, 2014 · Amount on Record |
| Deed Sale | May 7, 2014 · Amount on Record |
| Prior Sale | Mar 18, 1988 · Amount on Record |
| Deed Document Number | 2014185116 |
| Prior Transfer Date | Jun 22, 2006 |
| Prior Transfer Doc | 0000463431 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 645 ANN ST, OCEANSIDE, CA 92057-3503 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2021 |
| Title Company | STEWART TITLE, STEWART TITLE GUARANTY CO |
| Name | Verified Name |
|---|---|
| Address | 645 ANN ST, OCEANSIDE, CA 92057-3503 |
| Document Number | 0000515962 |
|---|---|
| Date | Jul 20, 2021 |
| Instrument | 2021-0515962 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
Source: San Diego County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Municipality | Oceanside City |
| Unified School District | Oceanside Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $481,385 (+2%) Land $132,979 Building $348,406 | |
| 2025 | $5,248.00 (+5.25%) | $471,947 (+4.04%) Land $130,372 Building $341,575 |
| 2023 | $4,986.00 (+1.57%) Homeowner's exemption | $453,622 Land $125,310 Building $328,312 |
| 2022 | $4,909.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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.
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.
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 |
| 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.
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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