San Diego County property record for 91 Ave Descanso, Oceanside, CA 92057
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,679 sqft · built 1996 |
| Lot Size | 0.275 acres (11,979 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $167,000 (Sep 1996) |
| Tax Bill | $3,130 (2025) |
| Deeds & Mortgages | May 2019 Reverse Mortgage Mar 2017 Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 157-811-56-00 |
| Primary APN | 157-811-56-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,679 sqft Living Area |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Lot Area | 11,979 sqft (0.275 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 3 Parking Spaces |
| Street Address | 91 AVENIDA DESCANSO |
|---|---|
| City | OCEANSIDE |
| State | CA |
| Zip | 92057-6041 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RE-B |
| Legal Description | LOT 22 TR 012343 |
| Legal Subdivision | RIVER MEADOW |
| Legal Tract | 012343 |
| Legal Block | 2 |
| Legal Lot Number | 22 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | OCEANSIDE-ESCONDIDO |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 18521 |
Source: San Diego County assessment roll, 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 Individual Names on File |
|---|---|
| Mailing Address | 91 AVENIDA DESCANSO, OCEANSIDE, CA 92057-6041 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| May 17, 2019 | Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Mar 28, 2017 | Deed of Trust, Mortgage · Conventional Mortgage DITECH FINANCIAL LLC |
| May 10, 2019 | Deed of Trust, Mortgage · FHA Mortgage FEDERAL HSNG COMMISSIONER |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 27, 1996 · Amount on Record |
| Deed Sale | Sep 27, 1996 · Amount on Record |
| Deed Document Number | 1996491492 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 91 AVENIDA DESCANSO, OCEANSIDE, CA 92057-6041 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000186803 |
|---|---|
| Date | May 17, 2019 |
| Instrument | 2019-0186803 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | HORSHAM, PA 19044 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.99% |
| Type Change Date | Jun 1, 2020 |
| Change Frequency | Annually |
| Min Rate At Change | 2% |
| Index | 1-Year LIBOR |
| Max Rate | 5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 91 AVENIDA DESCANSO, OCEANSIDE, CA 92057-6041 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0000137598 |
|---|---|
| Date | Mar 28, 2017 |
| Instrument | 2017-0137598 |
| Name | DITECH FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | TAMPA, FL 33607 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 91 AVENIDA DESCANSO, OCEANSIDE, CA 92057-6041 |
| Document Number | 0000186804 |
| Instrument Date | May 10, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 29, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 91 AVENIDA DESCANSO OCEANSIDE CA 920576041, OCEANSIDE, CA 92057-6041 |
| Document Number | 0000186804 |
|---|---|
| Date | May 17, 2019 |
| Instrument | 186804 |
| Name | FEDERAL HSNG COMMISSIONER |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.99% |
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 | $277,234 (+2%) Land $67,928 Building $209,306 | |
| 2025 | $3,130.00 (+5.28%) Homeowner's exemption | $271,799 (+4.04%) Land $66,597 Building $205,202 |
| 2023 | $2,973.00 (+1.57%) Homeowner's exemption | $261,247 Land $64,012 Building $197,235 |
| 2022 | $2,927.00 |
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 16 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 16 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 80% of the US · lower than 88% of California |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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 1,133 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 100 |
| San Diego Broadband Fixed Wireless | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T DSL · Fixed Wireless in parts of the area | 100 / 20 |
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