3945 Estancia Dr, Oceanside, CA 92058 Property Records

San Diego County property record for 3945 Estancia Dr, Oceanside, CA 92058

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,501 sqft · built 2001
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Individual Names on File
Last Sale	$781,500 (Nov 2021)
Tax Bill	$9,314 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Mar 2019 Transfer + 1 more
Flood Zone	Zone A99 (high risk)
APN	`158-672-37-00`

Property Details

APN / Parcel Number

Primary APN	`158-672-37-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,501 sqft Living Area

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Lot Area	6,000 sqft (0.138 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	3945 ESTANCIA DR
City	OCEANSIDE
State	CA
Zip	92058-7988
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-H
Legal Description	LOT 89 TR 013723
Legal Subdivision	RIO VISTA
Legal Tract	013723
Legal Block	2
Legal Lot Number	89
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2000
Census Tract	18622

Owner

3945 Estancia Dr is owned and occupied by two individuals who bought it in November 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	3945 ESTANCIA DR, OCEANSIDE, CA 92058-7988
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 8, 2021	Grant Deed, Transfer · VA Mortgage ROCKET MORTGAGE LLC
Mar 19, 2019	Quit Claim Deed, Transfer Quitclaim
Nov 17, 2017	Grant Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 8, 2021 · Amount on File
Deed Sale	Nov 8, 2021 · Amount on File
Prior Sale	Nov 17, 2017 · Amount on File
Deed Document Number	2021775440
Prior Transfer Date	Feb 6, 2019
Prior Transfer Doc	0000097636
Record Updated	Oct 29, 2026

November 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 8, 2021
Property Address	3945 ESTANCIA DR, OCEANSIDE, CA 92058-7988
Document Number	0000775440
Map Reference	FILE 199-0095438
Instrument Date	Oct 29, 2021
Instrument	2021-0775440
Transaction Type	Transfer
Record Updated	Nov 17, 2021
Title Company	EQUITY TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3945 ESTANCIA DR, OCEANSIDE, CA 92058-7988

Mortgage

Document Number	0000775441
Date	Nov 8, 2021
Instrument	2021-0775441

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

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

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 19, 2019
Property Address	3945 ESTANCIA DR, OCEANSIDE, CA 92058-7988
Document Number	0000097636
Instrument Date	Feb 6, 2019
Instrument	97636
Transaction Type	Transfer
Record Updated	Mar 26, 2019

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	3945 ESTANCIA DR OCEANSIDE CA 920587988, OCEANSIDE, CA 92058-7988

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 17, 2017
Property Address	3945 ESTANCIA DR, OCEANSIDE, CA 92058-7988
Document Number	0000538667
Instrument Date	Nov 3, 2017
Instrument	538667
Transaction Type	Transfer
Record Updated	Nov 24, 2017
Title Company	TICOR TITLE SAN DIEGO BR

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$583.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3945 ESTANCIA DR OCEANSIDE CA 920587988, OCEANSIDE, CA 92058-7988

Mortgage

Document Number	538668
Date	Nov 17, 2017
Instrument	538668

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 16, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 3945 Estancia Dr was $9,314.

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		$845,430 (+2%) Land $367,665 Building $477,765
2025	$9,314.00	$828,854 Land $360,456 Building $468,398
2023	$8,855.00 (+1.52%)	$796,670 Land $346,460 Building $450,210
2022	$8,722.00

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

Flood

FEMA maps place 3945 Estancia Dr 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 3945 Estancia Dr 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 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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