3937 Tortuga Cv, Oceanside, CA 92058 Property Records

San Diego County property record for 3937 Tortuga Cv, Oceanside, CA 92058

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,776 sqft · built 2000
Lot Size	0.149 acres (6,474 sqft)
Owner	2 Individual Names on File
Last Sale	$300,000 (Aug 2012)
Tax Bill	$2,221 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Apr 2020 Mortgage
Flood Zone	Zone A99 (high risk)
APN	`158-673-24-00`

Property Details

APN / Parcel Number

Primary APN	`158-673-24-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,776 sqft Living Area

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Lot Area	6,474 sqft (0.149 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	3937 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 129 TR 013723
Legal Subdivision	RIO VISTA
Legal Tract	013723
Legal Block	2
Legal Lot Number	129
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2000
Census Tract	18622

Owner

3937 Tortuga Cv is owned and occupied by two individuals who acquired it in August 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	3937 TORTUGA CV, OCEANSIDE, CA 92058-7996
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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 4, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage LOWER LLC
Apr 21, 2020	Deed of Trust, Mortgage · VA Mortgage SRE MTG ALLIANCE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2012 · Amount on File
Deed Sale	Aug 3, 2012 · Amount on File
Prior Sale	Aug 27, 1999 · Amount on File
Deed Document Number	2012455943
Last Transfer Date	Aug 29, 2025
Transfer Doc	0000253733
Record Updated	Oct 29, 2026

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 4, 2021
Property Address	3937 TORTUGA CV, OCEANSIDE, CA 92058-7996
Document Number	0000767313
Map Reference	FILE 1999-0095438
Instrument Date	Oct 7, 2021
Instrument	2021-0767313
Transaction Type	Transfer
Record Updated	Nov 15, 2021
Title Company	MEY MAX TITLE AGENCY, MEYMAX TITLE AGENCY

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 with Right of Survivorship
Address	3937 TORTUGA CV, OCEANSIDE, CA 92058-7996

Mortgage

Document Number	0000767314
Date	Nov 4, 2021
Instrument	2021-0767314

Lender

Name	LOWER LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3937 TORTUGA CV, OCEANSIDE, CA 92058-7996
Document Number	0000215281
Instrument Date	Apr 21, 2020
Transaction Type	Mortgage
Record Updated	May 7, 2020
Title Company	SPRUCE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3937 TORTUGA CV OCEANSIDE CA 920587996, OCEANSIDE, CA 92058-7996

Mortgage

Document Number	0000215281
Date	Apr 28, 2020
Instrument	215281

Lender

Name	SRE MTG ALLIANCE INC
Address	EL SEGUNDO, CA 90245

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 27, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 3937 Tortuga Cv was $2,221.

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		$446,803 (+20.95%) Land $113,571 Building $333,232
2025	$2,221.00	$369,416 Land $111,345 Building $258,071
2023	$3,974.00 (+1.53%)	$355,072 Land $107,022 Building $248,050
2022	$3,914.00

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

Flood

FEMA maps place 3937 Tortuga Cv in Zone A99, a high-risk flood area; flood insurance is required for federally backed loans.

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 File 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

Wildfire risk around 3937 Tortuga Cv is low, with a 0.01% annual chance of 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 455 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Starlink Satellite	280 / 30

May also be available: AT&T, FiberFirst, Frontier, GeoLinks, T-Mobile, Verizon.

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