1570 Spring Creek Ln, Oceanside, CA 92057 Property Records

San Diego County property record for 1570 Spring Creek Ln, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,120 sqft · built 1985
Lot Size	0.102 acres (4,458 sqft)
Owner	2 Individual Names on File
Last Sale	$265,000 (Nov 2009)
Tax Bill	$3,837 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Aug 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`157-500-21-00`

Property Details

APN / Parcel Number

Primary APN	`157-500-21-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,120 sqft Living Area

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Lot Area	4,458 sqft (0.102 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1570 SPRING CREEK LN
City	OCEANSIDE
State	CA
Zip	92057-5626
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-A-SP-EQ
Legal Description	LOT 21 TR 009427
Legal Subdivision	SPRING CREEK
Legal Tract	009427
Legal Block	1
Legal Lot Number	21
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1011
Census Tract	19303

Owner

1570 Spring Creek Ln is owned and occupied by two individuals who bought it in November 2009.

Source: San Diego County records, as of July 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1570 SPRING CREEK LN, OCEANSIDE, CA 92057-5626
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 19, 2021	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA
Aug 15, 2019	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Aug 15, 2019	Loan Modification, Mortgage · FHA Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 20, 2009 · Amount on File
Deed Sale	Nov 20, 2009 · Amount on File
Prior Sale	May 26, 2009 · Amount on File
Deed Document Number	2009648919
Prior Transfer Date	Mar 12, 1994
Prior Transfer Doc	0000176288
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1570 SPRING CREEK LN, OCEANSIDE, CA 92057-5626
Transaction Type	Mortgage
Record Updated	Dec 1, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1570 SPRING CREEK LN, OCEANSIDE, CA 92057-5626

Mortgage

Document Number	0000798949
Date	Nov 19, 2021
Instrument	2021-0798949

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	IRVINE, CA 92602

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	334 Months
Due	Sep 1, 2049

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1570 SPRING CREEK LN, OCEANSIDE, CA 92057-5626
Document Number	0000379909
Instrument Date	Aug 15, 2019
Transaction Type	Mortgage
Record Updated	Sep 11, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1570 SPRING CREEK LN OCEANSIDE CA 920575626, OCEANSIDE, CA 92057-5626

Mortgage

Document Number	0000379909
Date	Sep 4, 2019
Instrument	379909

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 3, 2049

August 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SAN DIEGO CA
Property Address	1570 SPRING CREEK LN, OCEANSIDE, CA 92057-5626
Document Number	0000404445
Instrument Date	Aug 15, 2019
Transaction Type	Mortgage
Record Updated	Sep 24, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1570 SPRING CREEK LN OCEANSIDE CA 920575626, OCEANSIDE, CA 92057-5626

Mortgage

Document Number	0000404445
Date	Sep 17, 2019
Instrument	404445

Lender

Name	WELLS FARGO BK
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 16, 2049

Interest

Rate	4.37%

Tax Assessment & Valuation

The 2025 property tax bill for 1570 Spring Creek Ln was $3,837 with a homeowner's exemption.

Source: San Diego County assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Municipality	Oceanside City
Unified School District	Vista Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$348,891 (+2%) Land $237,249 Building $111,642
2025	$3,837.00 Homeowner's exemption	$342,051 Land $232,598 Building $109,453
2023	$3,529.00 (+0.31%) Homeowner's exemption	$328,770 Land $223,567 Building $105,203
2022	$3,518.00

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

Flood

FEMA maps place 1570 Spring Creek Ln in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	3 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.

Wildfire

The area around 1570 Spring Creek Ln 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 400 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
AT&T DSL	100 / 20

May also be available: Verizon.

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