4048 Alto St, Oceanside, CA 92056 Property Records

San Diego County property record for 4048 Alto St, Oceanside, CA 92056

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,563 sqft · built 1970
Lot Size	0.175 acres (7,600 sqft)
Owner	2 Individual Names on File
Last Sale	$1,025,000 (Oct 2025)
Tax Bill	$6,954 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`168-080-07-00`

Property Details

APN / Parcel Number

Primary APN	`168-080-07-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,563 sqft Living Area

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	7,600 sqft (0.175 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4048 ALTO ST
City	OCEANSIDE
State	CA
Zip	92056-4617
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RE-B
Legal Description	LOT 79 TR 006388
Legal Subdivision	MIRA COSTA MESA
Legal Tract	006388
Legal Block	1
Legal Lot Number	79
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1021
Census Tract	19805

Owner

4048 Alto St is owned and occupied by two individuals who bought it in October 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	4048 ALTO ST, OCEANSIDE, CA 92056-4617
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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
Oct 7, 2025	Grant Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Dec 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Jun 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 7, 2025 · Amount on File
Deed Sale	Oct 7, 2025 · Amount on File
Prior Sale	Aug 5, 2016 · Amount on File
Deed Document Number	2025279641
Prior Transfer Date	Jul 14, 2016
Prior Transfer Doc	0000399853
Record Updated	Oct 29, 2026

October 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 7, 2025
Property Address	4048 ALTO ST, OCEANSIDE, CA 92056-4617
Document Number	0000279641
Map Reference	MAP 6388
Instrument Date	Oct 6, 2025
Instrument	2025-0279641
Transaction Type	Transfer
Record Updated	Oct 17, 2025
Title Company	TICOR TITLE COMPANY/CA SAN DIEGO, TICOR TITLE CO SAN DIEGO

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	Community Property with Right of Survivorship
Address	4048 ALTO ST, OCEANSIDE, CA 92056-4617

Mortgage

Document Number	0000279642
Date	Oct 7, 2025
Instrument	2025-0279642

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4048 ALTO ST, OCEANSIDE, CA 92056-4617
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4048 ALTO ST, OCEANSIDE, CA 92056-4617

Mortgage

Document Number	0000811445
Date	Dec 17, 2020
Instrument	2020-0811445

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4048 ALTO ST, OCEANSIDE, CA 92056-4617
Document Number	0000331229
Instrument Date	Jun 18, 2020
Transaction Type	Mortgage
Record Updated	Jul 7, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	4048 ALTO ST OCEANSIDE CA 920564617, OCEANSIDE, CA 92056-4617

Mortgage

Document Number	0000331229
Date	Jun 25, 2020
Instrument	331229

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 24, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 4048 Alto St was $6,954.

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	Carlsbad Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,025,000 (+58.42%) Land $735,429 Building $289,571
2025	$6,954.00 Homeowner's exemption	$647,021 Land $464,232 Building $182,789
2023	$6,678.00 (+1.58%) Homeowner's exemption	$621,898 Land $446,206 Building $175,692
2022	$6,574.00

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

Flood

FEMA maps place 4048 Alto St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1993.

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
Flood Insurance Cost	Premium on File median of 31 individual policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	123 units insured incl. 92 condo units
Nearby Flood Claims	3 (1993–2025)
Most Recent Claim	Mar 2025 · other causes

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 4048 Alto St 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	Indirect 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	La Jolla Eastern tribal government · serves 1,076 people · EPA ID 090605007
Water Source	Groundwater
Last State Inspection	Apr 2021
Also Mapped Here	CITY OF OCEANSIDE, La Jolla Western, SAN DIEGO COUNTY WATER AUTHORITY
Lead	Below detection (2023–2025) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 596 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks, Spectrum, T-Mobile.

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