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646 Ann St, Oceanside, CA 92057 Property Records

San Diego County property record for 646 Ann St, Oceanside, CA 92057 · Last verified July 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 1970
Square Footage1,266 sqft Living Area
Lot Size6,000 sqft (0.138 acres)
OccupancyOwner Occupied
Last Sale$723,000 (2024)
Tax Bill$8,293.00 (2025)

Property Details

APN / Parcel Number

Primary APN122-200-11-00

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,266 sqft Living Area

Exterior

Year BuiltBuilt 1970
Effective Year BuiltEffective 1970
Lot Area6,000 sqft (0.138 acres)
Parking Spaces2 Parking Spaces
Garage TypeCarport Garage
CarportCarport

Location & Zoning

Street Address646 ANN ST
CityOCEANSIDE
StateCA
Zip92057-3502
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionLOT 194 TR 006230
Legal SubdivisionMESA MARGARITA
Legal Tract006230
Legal Block2
Legal Lot Number194
JurisdictionSAN DIEGO CA
Minor Civil DivisionOCEANSIDE-ESCONDIDO
Census Blockgroup2
Census Block2002
Census Tract18617

Owner

Source: San Diego County records · APN 122-200-11-00

Assessment roll updated July 21, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address646 ANN ST, OCEANSIDE, CA 92057-3502
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingCommunity Property

Deeds, Mortgages & Sale History

DateDocument
Sep 24, 2025Deed of Trust, Mortgage · Conventional Mortgage
GUARANTEED RATE AFFINITY LLC
Apr 25, 2024Grant Deed, Transfer · Conventional Mortgage
GUARANTEED RATE AFFINITY LLC
May 11, 2017Loan Modification, Mortgage · Conventional Mortgage with Private Mortgage Insurance (PMI)
PRIME LNDG

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleApr 25, 2024 · Amount on Record
Deed SaleApr 25, 2024 · Amount on Record
Prior SaleJul 29, 2014 · Amount on Record
Deed Doc Number2024104078
Prior Transfer DateDec 30, 2010
Prior Transfer Doc0000154521
Record RefreshedSep 20, 2026

September 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address646 ANN ST, OCEANSIDE, CA 92057-3502
Transaction TypeMortgage
Record UpdatedOct 08, 2025
Title CompanyEQUITY TITLE COMPANY SD

Transferred To (Grantee/Buyer)

NameVerified Name
Address646 ANN ST, OCEANSIDE, CA 92057-3502

Mortgage

Document Number0000265287
DateSep 24, 2025
Instrument2025-0265287
Lender
NameGUARANTEED RATE AFFINITY LLC
TypeMortgage Company
AddressCHICAGO, IL 60613
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2055

April 2024: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSAN DIEGO CA
Recording DateApr 25, 2024
Property Address646 ANN ST, OCEANSIDE, CA 92057-3502
Document Number0000104078
Map ReferenceMAP 6230
Instrument DateApr 18, 2023
Instrument2024-0104078
Transaction TypeTransfer
Record UpdatedMay 07, 2024
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN TTL SAN DIEGO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded Values by County
Additional
  • Notice of Default
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCommunity Property
Address646 ANN ST, OCEANSIDE, CA 92057-3502

Mortgage

Document Number0000104079
DateApr 25, 2024
Instrument2024-0104079
Lender
NameGUARANTEED RATE AFFINITY LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2054

May 2017: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionSAN DIEGO CA
Property Address646 ANN ST, OCEANSIDE, CA 92057-3502
Document Number0000299446
Instrument DateMay 11, 2017
Transaction TypeMortgage
Record UpdatedJul 10, 2017
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address646 ANN ST OCEANSIDE CA 920573502, OCEANSIDE, CA 92057-3502

Mortgage

Document Number0000299446
DateJun 30, 2017
Instrument299446
Lender
NamePRIME LNDG
Agreement
TypeConventional Mortgage with Private Mortgage Insurance (PMI)
AmountAmount Recorded
Term360 Months
DueJun 29, 2047
Interest
Rate TypeFixed Rate
Rate4.5%

Tax Assessment & Valuation

Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySan Diego County
MunicipalityOceanside City
Unified School DistrictOceanside Unified School District (KG - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes and is not a market price estimate.

YearTax BillAssessed Value
2026$752,209 (+2%) Land $624,240 Building $127,969
2025$8,293.00 (+11.62%)$737,460 (+93.46%) Land $612,000 Building $125,460
2023$7,430.00 (+80.3%) Homeowner's exemption$381,203 Land $247,266 Building $133,937
2022$4,121.00

Flood & Wildfire

646 Ann St is in FEMA Zone X, outside the Special Flood Hazard Area, with indirect wildfire exposure (Low risk).

Flood

Source: FEMA National Flood Hazard Layer · San Diego County (06073C), updated September 3, 2026

FEMA Flood ZoneZone X
minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard AreaNo

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to HomesLow
34th percentile of exposed land nationally · 20th in California
Wildfire LikelihoodLow — about 1 in 2,381 per year
ExposureIndirect
within ember reach of burnable land

Values are read at the parcel center point; lenders make the official flood determination.

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