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Single Family ResidenceResidential
$932,237$265 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 95How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

320 RIVER RANCH WAY

OCEANSIDE, CA 92057
5
Beds
3
Baths
3,516 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.14 ac
Lot SizeThe size of the land the home sits on, from county records.
2002
Year BuiltThe year the home was originally built, according to county records.
3
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$932K
$884K low$981K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$124,247
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$99,398
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.68%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$326,250
WORLD SAVINGS BANK · recorded Nov 3, 2003
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$481,740
LOANDEPOT.COM LLC

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$9,057 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$830,194 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$206,402
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$623,792
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$813,916

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.34
35
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
1
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
31
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
15
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
89
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.6 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.0.2 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountySAN DIEGO
Lot (acres)The size of the land the home sits on, from county records.0.14
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(9)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Nichols Leadership AcademyD+
Elementary · Grades KG–5 · 0.5 mi
M
Cesar Chavez Middle SchoolB-
Middle · Grades 6–8 · 0.7 mi
H
El Camino High SchoolB+
High · Grades 9–12 · 1.2 mi

District: Oceanside Unified School District

Neighborhood · ZIP 92057These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.67
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.97
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.216

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.21%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.4%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.4%
PopulationHow many people live in this area.55,095
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.3,704 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$100,851
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$121,948
Average tempThe average temperature here across a full year.62°F
Annual precipHow much rain and melted snow falls here in a typical year.14 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.68%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.Yes

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

320 River Ranch Way measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 90% of homes in San Luis Rey
  • Among the lowest price per square foot in San Luis Rey
  • Among the largest homes in San Luis Rey
  • Has a smaller lot than 81% of homes in San Luis Rey
  • Newer than 84% of homes in Oceanside 92057

What homes are worth in Oceanside 92057

Each bar is how many homes fall in that price range. The marker is this home.

This home
$384K$1.4M

This home is worth more than 75% of homes in Oceanside 92057.

How it measures up in Oceanside 92057

The dot is this home. The mark in the middle is the typical home in Oceanside 92057.

Estimated value$932,237
CheaperTypical $749,375Pricier

Pricier than 75% of homes nearby

Price per ft²$265
CheaperTypical $472Pricier

Cheaper than almost all homes nearby

Living area3,516 ft²
SmallerTypical 1,498 ft²Bigger

Bigger than 98% of homes nearby

Lot size0.14 ac
SmallerTypical 0.26 acBigger

Bigger than 20% of homes nearby

Year built2002
OlderTypical 1988Newer

Newer than 84% of homes nearby

How 320 River Ranch Way ranks against every home in each area.
MeasureThis homeSan Luis ReyOceanside 92057San Diego County
Estimated valuepricier than$932,23790% of homes75% of homes55% of homes
Price per ft²pricier than$265almost no homesalmost no homesalmost no homes
Living areabigger than3,516 ft²almost all homes98% of homes95% of homes
Lot sizebigger than0.14 ac19% of homes20% of homes23% of homes
Year builtnewer than200278% of homes84% of homes81% of homes

About 320 River Ranch Way

How much is 320 River Ranch Way, Oceanside, CA worth?

The TopHap Estimate for 320 River Ranch Way, Oceanside, CA is $932,237 as of Jul 14, 2026. The likely range is $883,634 to $980,840. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 320 River Ranch Way, Oceanside, CA last sell?

320 River Ranch Way, Oceanside, CA last sold on Jul 31, 2020, according to the county's recorded deed.

How big is 320 River Ranch Way, Oceanside, CA?

320 River Ranch Way, Oceanside, CA has 5 bedrooms, 3 bathrooms, 3,516 square feet of living space and a 0.14-acre lot.

When was 320 River Ranch Way, Oceanside, CA built?

320 River Ranch Way, Oceanside, CA was built in 2002, making it 24 years old.

What schools serve 320 River Ranch Way, Oceanside, CA?

320 River Ranch Way, Oceanside, CA is assigned to Nichols Leadership Academy (elementary), rated D+; Cesar Chavez Middle School (middle), rated B-; El Camino High School (high), rated B+. All sit in Oceanside Unified School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 320 River Ranch Way, Oceanside, CA compare to other homes in Oceanside 92057?

Among the 18,276 homes in Oceanside 92057, it is worth more than 75% of them ($932,237 against a typical $749,375), its price per square foot is higher than almost none of them ($265 against a typical $472), it is bigger than 98% of them (3,516 ft² against a typical 1,498 ft²), its lot is bigger than 20% of them (0.14 ac against a typical 0.26 ac) and it is newer than 84% of them (2002 against a typical 1988). Measured against all of San Diego County, it is worth more than 55% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 320 River Ranch Way, Oceanside, CA?

The 2025 property tax bill for 320 River Ranch Way, Oceanside, CA was $9,057. The county assessed it at $830,194.

Closest homes

More homes in Oceanside 92057

Assigned schools

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