San Diego County property record for 720 S Pacific St, Oceanside, CA 92054
| Property Type | Multi-Family Dwellings |
|---|---|
| Details | 4 bd · 3 ba · 1,834 sqft · built 1952 |
| Lot Size | 0.87 acres (3,798 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,550,000 (Feb 2016) |
| Tax Bill | $20,585 (2025) |
| Deeds & Mortgages | Oct 2023 Line of Credit Aug 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 150-262-23-00 |
| Primary APN | 150-262-23-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Units | 3 Units |
| Building Area | 1,834 sqft Living Area |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1952 |
| Architectural Style | Multi-Family |
| Lot Area | 3,798 sqft (0.87 acres) |
| Street Address | 720 S PACIFIC ST |
|---|---|
| City | OCEANSIDE |
| State | CA |
| Zip | 92054-3911 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Multi-Family Dwellings |
| Local Zoning Code | D-5A |
| Legal Description | LOT 3 PAR B PER DOC97-540099 IN LOT 2&IN TR 000197 |
| Legal Subdivision | RIVERSIDE TERRACE |
| Legal Tract | 000197 |
| Legal Block | 1 |
| Legal Lot Number | 3,2 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | OCEANSIDE-ESCONDIDO |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 18301 |
720 S Pacific St, a residential property, is owned and occupied by two individuals who bought it in February 2016.
Source: San Diego County records, as of July 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 720 S PACIFIC ST, OCEANSIDE, CA 92054-3911 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 24, 2023 | Deed of Trust, Mortgage · Line of Credit BANNER BANK |
| Aug 26, 2020 | Deed of Trust, Mortgage · Conventional Mortgage COMMERCE HOME MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 4, 2016 · Amount on File |
| Deed Sale | Feb 4, 2016 · Amount on File |
| Prior Sale | Oct 8, 1998 · Amount on File |
| Deed Document Number | 201651016 |
| Prior Transfer Date | Sep 24, 2015 |
| Prior Transfer Doc | 0000519076 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 720 S PACIFIC ST, OCEANSIDE, CA 92054-3911 |
| Transaction Type | Mortgage |
| Record Updated | Nov 2, 2023 |
| Name | Verified Name |
|---|---|
| Address | 720 S PACIFIC ST, OCEANSIDE, CA 92054-3911 |
| Document Number | 0000291421 |
|---|---|
| Date | Oct 24, 2023 |
| Instrument | 2023-0291421 |
| Name | BANNER BANK |
|---|---|
| Type | Bank |
| Address | SAN DIEGO, CA 92116 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 720 S PACIFIC ST, OCEANSIDE, CA 92054-3911 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | LAWYERS TITLE |
| Name | Verified Name |
|---|---|
| Address | 720 S PACIFIC ST C, C, OCEANSIDE, CA 92054-3911 |
| Document Number | 0000485099 |
|---|---|
| Date | Aug 26, 2020 |
| Instrument | 2020-0485099 |
| Name | COMMERCE HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92606 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2050 |
The 2025 property tax bill for 720 S Pacific St was $20,585.
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 | $1,871,577 (+2%) Land $1,762,908 Building $108,669 | |
| 2025 | $20,585.00 | $1,834,881 Land $1,728,342 Building $106,539 |
| 2023 | $19,572.00 (+1.53%) | $1,763,631 Land $1,661,229 Building $102,402 |
| 2022 | $19,277.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 720 S Pacific St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone VE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 39 individual policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 43 units insured incl. 4 condo units |
| Nearby Flood Claims | 1 (2021) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jan 2021 · tidal / storm surge |
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.
The area around 720 S Pacific St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land 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 | Rincon Northern tribal government · serves 7,003 people · EPA ID 090600147 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2026 |
| Also Mapped Here | SAN DIEGO COUNTY WATER AUTHORITY, CITY OF OCEANSIDE |
| Lead | Below detection (2026) action level 15 ppb |
| Copper | 2.32 mg/L (2018) action level 1.3 mg/L |
| 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. The service area is an EPA estimate; the actual supplier may differ. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 570 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 · Fiber in parts of the area | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: GeoLinks.
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