3901 Tortuga Cv, Oceanside, CA 92058 Property Records

San Diego County property record for 3901 Tortuga Cv, Oceanside, CA 92058

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,585 sqft · built 2000
Lot Size	0.227 acres (9,908 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,387 (2025)
Deeds & Mortgages	Dec 2023 Mortgage Dec 2021 Mortgage + 1 more
Flood Zone	Zone A99 (high risk)
APN	`158-673-33-00`

Property Details

APN / Parcel Number

Primary APN	`158-673-33-00`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Building Area	2,585 sqft Living Area

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Lot Area	9,908 sqft (0.227 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	3901 TORTUGA CV
City	OCEANSIDE
State	CA
Zip	92058-7996
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-H
Legal Description	LOT 138 TR 013723
Legal Subdivision	RIO VISTA
Legal Tract	013723
Legal Block	2
Legal Lot Number	138
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2000
Census Tract	18622

Owner

Source: San Diego County records, 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 Record
Mailing Address	3901 TORTUGA CV, OCEANSIDE, CA 92058-7996
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 12, 2023	Intrafamily Transfer, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE
Dec 14, 2021	Intrafamily Transfer, Transfer · FHA Mortgage HOME POINT FINANCIAL CORPORATION
Aug 30, 2017	Intrafamily Transfer, Transfer · ARM LENDSURE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 12, 2023
Deed Sale	Dec 12, 2023
Prior Sale	Dec 14, 2021
Deed Document Number	2023341590
Prior Transfer Date	Dec 1, 2023
Prior Transfer Doc	0000341590
Record Updated	Sep 20, 2026

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 12, 2023
Property Address	3901 TORTUGA CV, OCEANSIDE, CA 92058-7996
Document Number	0000341590
Map Reference	MAP 13723
Instrument Date	Dec 1, 2023
Instrument	2023-0341590
Transaction Type	Transfer
Record Updated	Dec 22, 2023
Title Company	PLACER TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3901 TORTUGA CV, OCEANSIDE, CA 92058-7996

Mortgage

Document Number	0000341591
Date	Dec 12, 2023
Instrument	2023-0341591

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 14, 2021
Property Address	3901 TORTUGA CV, OCEANSIDE, CA 92058-7996
Document Number	0000843702
Map Reference	FILE 1999-0095438
Instrument Date	Dec 9, 2021
Instrument	2021-0843702
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	BNT TITLE COMPANY/CA, BNT TITLE COMPANY OF CA

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3901 TORTUGA CV, OCEANSIDE, CA 92058-7996

Mortgage

Document Number	0000843703
Date	Dec 14, 2021
Instrument	2021-0843703

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

August 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 30, 2017
Property Address	3901 TORTUGA CV, OCEANSIDE, CA 92058-7996
Document Number	0000396687
Map Reference	MAP13723
Instrument Date	Aug 21, 2017
Instrument	2017-0396687
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	WESTERN RESOURCES TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3901 TORTUGA CV, OCEANSIDE, CA 92058-7996

Mortgage

Document Number	0000396688
Date	Aug 30, 2017
Instrument	2017-0396688

Lender

Name	LENDSURE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	8.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2024
Change Frequency	Annually
Min Rate At Change	8.5%
Max Rate At Change	10.5%
Index	1-Year LIBOR
Margin	4
Max Rate	13.5%

Tax Assessment & Valuation

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	Oceanside Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$391,897 (+2%) Land $70,928 Building $320,969
2025	$2,387.00 (-42.22%)	$384,214 (+4.04%) Land $69,538 Building $314,676
2023	$4,131.00 (+1.52%)	$369,296 Land $66,839 Building $302,457
2022	$4,069.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 3, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A99 high risk · federal flood protection under construction
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 69 individual policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	102 units insured incl. 33 condo units

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

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

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 645 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: FiberFirst, T-Mobile, Verizon.

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