San Diego County property record for 871 Niguel St, Oceanside, CA 92057
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,069 sqft · built 2003 |
| Lot Size | 0.322 acres (14,045 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $900,000 (Dec 2025) |
| Tax Bill | $7,709 (2025) |
| Deeds & Mortgages | Aug 2022 Line of Credit Dec 2025 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 122-471-43-00 |
| Primary APN | 122-471-43-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,069 sqft Living Area |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Lot Area | 14,045 sqft (0.322 acres) |
| Parking Spaces | 3 Parking Spaces |
| Street Address | 871 NIGUEL ST |
|---|---|
| City | OCEANSIDE |
| State | CA |
| Zip | 92057-3544 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS |
| Legal Description | LOT 72 TR 014246 |
| Legal Subdivision | SUNWEST VILLAGE |
| Legal Tract | 014246 |
| Legal Block | 1 |
| Legal Lot Number | 72 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | OCEANSIDE-ESCONDIDO |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 18617 |
Source: San Diego County records · APN 122-471-43-00
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 Record | 2 Company Names on File |
|---|---|
| Mailing Address | 1650 JUNIPERHILL DR, ENCINITAS, CA 92024-4733 |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
| Date | Document |
|---|---|
| Aug 15, 2022 | Deed of Trust, Mortgage · Line of Credit NAVY FCU |
| Dec 02, 2025 | Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC |
| Nov 10, 2020 | Deed of Trust, Mortgage · VA Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Jan 06, 2020 | Deed of Trust, Mortgage · VA Mortgage USAA |
| Mar 29, 2019 | Grant Deed, Transfer · VA Mortgage CROSSCOUNTRY MORTGAGE INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 02, 2025 · Amount on Record |
| Deed Sale | Dec 02, 2025 · Amount on Record |
| Prior Sale | Mar 29, 2019 · Amount on Record |
| Deed Document Number | 2025340312 |
| Prior Transfer Date | Oct 15, 2010 |
| Prior Transfer Doc | 0000593198 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 871 NIGUEL ST, OCEANSIDE, CA 92057-3544 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 871 NIGUEL ST, OCEANSIDE, CA 92057-3544 |
| Investor | Possibly a Property Investor |
| Document Number | 0000328946 |
|---|---|
| Date | Aug 15, 2022 |
| Instrument | 2022-0328946 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Aug 01, 2062 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Dec 02, 2025 |
| Property Address | 871 NIGUEL ST, OCEANSIDE, CA 92057-3544 |
| Document Number | 0000340312 |
| Instrument Date | Nov 07, 2025 |
| Instrument | 2025-0340312 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATL TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 1650 JUNIPERHILL DR, ENCINITAS, CA 92024-4733 |
| Document Number | 0000340313 |
|---|---|
| Date | Dec 02, 2025 |
| Instrument | 2025-0340313 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 871 NIGUEL ST, OCEANSIDE, CA 92057-3544 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2022 |
| Title Company | WFG NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 871 NIGUEL ST, OCEANSIDE, CA 92057-3544 |
| Document Number | 0000704637 |
|---|---|
| Date | Nov 10, 2020 |
| Instrument | 2020-0704637 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | BRECKSVILLE, OH 44141 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 871 NIGUEL ST, OCEANSIDE, CA 92057-3544 |
| Document Number | 0000009914 |
| Instrument Date | Jan 06, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 23, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 871 NIGUEL ST OCEANSIDE CA 920573544, OCEANSIDE, CA 92057-3544 |
| Document Number | 0000009914 |
|---|---|
| Date | Jan 08, 2020 |
| Instrument | 9914 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 07, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Mar 29, 2019 |
| Property Address | 871 NIGUEL ST, OCEANSIDE, CA 92057-3544 |
| Document Number | 0000113797 |
| Map Reference | MAP 14246 |
| Instrument Date | Mar 18, 2019 |
| Instrument | 2019-0113797 |
| Transaction Type | Transfer |
| Record Updated | Jul 25, 2022 |
| Title Company | TICOR TITLE COMPANY OF CA |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 871 NIGUEL ST, OCEANSIDE, CA 92057-3544 |
| Document Number | 0000113798 |
|---|---|
| Date | Mar 29, 2019 |
| Instrument | 2019-0113798 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2049 |
Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Municipality | Oceanside City |
| Unified School District | Oceanside Unified School District (KG - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $900,000 (+32.26%) Land $320,375 Building $579,625 | |
| 2025 | $7,709.00 (+38.95%) | $680,461 (+4.04%) Land $242,225 Building $438,236 |
| 2023 | $5,548.00 (-0.04%) | $654,040 Land $232,820 Building $421,220 |
| 2022 | $5,550.00 |
Source: FEMA National Flood Hazard Layer as of September 3, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Low lower than 80% of the US · lower than 88% of California |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Fiber | 2,000 / 35 |
| San Diego Broadband Fixed Wireless | 500 / 100 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
May also be available: Verizon.
Based on FCC filings for 586 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF OCEANSIDE serves 174,340 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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