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3945 Tortuga Cv, Oceanside, CA 92058 Property Records

San Diego County property record for 3945 Tortuga Cv, Oceanside, CA 92058 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 2,376 sqft · built 2000
Lot Size0.163 acres (7,119 sqft)
Owner2 Individual Names on File
Last Sale$591,000 (May 2019)
Tax Bill$7,341 (2025)
Deeds & MortgagesJan 2020 Mortgage
May 2019 Sale & Mortgage
Flood ZoneZone A99 (high risk)
APN158-673-22-00

Property Details

APN / Parcel Number

Primary APN158-673-22-00

Interior

Bedrooms3 Beds
Full Baths3 Baths
Building Area2,376 sqft Living Area

Exterior

Year BuiltBuilt 2000
Effective Year BuiltEffective 2000
Lot Area7,119 sqft (0.163 acres)
Parking Spaces3 Parking Spaces

Location & Zoning

Street Address3945 TORTUGA CV
CityOCEANSIDE
StateCA
Zip92058-7996
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 127 TR 013723
Legal SubdivisionRIO VISTA
Legal Tract013723
Legal Block2
Legal Lot Number127
JurisdictionSAN DIEGO CA
Township / Civil DivisionOCEANSIDE-ESCONDIDO
Census Block Group2
Census Block2000
Census Tract18622

Owner

Source: San Diego County records · APN 158-673-22-00

Assessment roll updated July 21, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address3945 TORTUGA CV, OCEANSIDE, CA 92058-7996
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Jan 31, 2020Deed of Trust, Mortgage · VA Mortgage
UNITED WHOLESALE MORTGAGE
May 30, 2019Grant Deed, Transfer · VA Mortgage
MR COOPER

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMay 30, 2019 · Amount on Record
Deed SaleMay 30, 2019 · Amount on Record
Prior SaleAug 14, 2015 · Amount on Record
Deed Document Number2019207877
Record UpdatedSep 20, 2026

January 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address3945 TORTUGA CV, OCEANSIDE, CA 92058-7996
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyLAWYERS TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000051790
DateJan 31, 2020
Instrument2020-0051790
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 01, 2050

May 2019: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSAN DIEGO CA
Recording DateMay 30, 2019
Property Address3945 TORTUGA CV, OCEANSIDE, CA 92058-7996
Document Number0000207877
Instrument DateMay 20, 2019
Instrument207877
Transaction TypeTransfer
Record UpdatedJun 11, 2019
Title CompanyCORINTHIAN TITLE COMPANY, CORINTHIAN TITLE CO

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$650.10
Amount AccuracyFull Value
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address3945 TORTUGA CV OCEANSIDE CA 920587996, OCEANSIDE, CA 92058-7996

Mortgage

Document Number207878
DateMay 30, 2019
Instrument207878
Lender
NameMR COOPER
AddressDALLAS, TX 75019
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueMay 29, 2049

Tax Assessment & Valuation

Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySan Diego County
MunicipalityOceanside City
Unified School DistrictOceanside Unified School District (KG - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed Value
2026$672,449 (+2%) Land $262,674 Building $409,775
2025$7,341.00 (+5.23%) Homeowner's exemption$659,265 (+4.04%) Land $257,524 Building $401,741
2023$6,976.00 (+1.56%) Homeowner's exemption$633,667 Land $247,525 Building $386,142
2022$6,869.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, San Diego County (06073C), updated September 3, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060730186222, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone A99
federal flood protection under construction
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood ElevationVaries along the reach; see FIRM
Flood Insurance RequirementRequired (federally backed mortgages)
Flood Insurance CostPremium on Record
median of 69 individual NFIP policies nearby
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies102 units insured
33 under condo master policies

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 455 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Cox CommunicationsCable2,000 / 100
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: T-Mobile USA, Verizon, AT&T, Generate-Ubiquity Holdings, California Internet, Cox Communications, Frontier. Availability varies by address; speeds are provider-advertised maximums, not measured.

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