4056 Alto St, Oceanside, CA 92056 Property Records

San Diego County property record for 4056 Alto St, Oceanside, CA 92056

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,522 sqft · built 1970
Lot Size	0.175 acres (7,600 sqft)
Owner	Company Name on Record
Last Sale	$320,000 (May 2011)
Tax Bill	$4,397 (2025)
Deeds & Mortgages	Jul 2020 Mortgage May 2019 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`168-080-05-00`

Property Details

APN / Parcel Number

Primary APN	`168-080-05-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,522 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
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

Location & Zoning

Street Address	4056 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 77 TR 006388
Legal Subdivision	MIRA COSTA MESA
Legal Tract	006388
Legal Block	1
Legal Lot Number	77
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1021
Census Tract	19805

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	4056 ALTO ST, OCEANSIDE, CA 92056-4617
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jul 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage FINANCIAL PTRS CU
May 22, 2019	Deed of Trust, Mortgage · Line of Credit FINANCIAL PTRS CU
Mar 8, 2019	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
Jul 5, 2018	Quit Claim Deed, Transfer OTHER
Mar 12, 2018	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 26, 2011 · Amount on Record
Deed Sale	May 26, 2011 · Amount on Record
Prior Sale	Apr 14, 2000 · Amount on Record
Deed Document Number	2011271506
Last Transfer Date	Jun 20, 2018
Transfer Doc	0000272919
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4056 ALTO ST, OCEANSIDE, CA 92056-4617
Document Number	0000420762
Instrument Date	Jul 24, 2020
Transaction Type	Mortgage
Record Updated	Aug 10, 2020
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4056 ALTO ST OCEANSIDE CA 920564617, OCEANSIDE, CA 92056-4617

Mortgage

Document Number	0000420762
Date	Jul 30, 2020
Instrument	420762

Lender

Name	FINANCIAL PTRS CU
Type	Credit Union
Address	DOWNEY, CA 90242

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 29, 2050

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4056 ALTO ST, OCEANSIDE, CA 92056-4617
Document Number	0000202074
Instrument Date	May 22, 2019
Transaction Type	Mortgage
Record Updated	Jun 4, 2019
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	PO BOX 52901 IRVINE CA 926192901, IRVINE, CA 92619-2901

Mortgage

Document Number	0000202074
Date	May 28, 2019
Instrument	202074

Lender

Name	FINANCIAL PTRS CU
Type	Credit Union
Address	DOWNEY, CA 90242

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	May 27, 2044

Interest

Rate Type	Adjustable Rate

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4056 ALTO ST, OCEANSIDE, CA 92056-4617
Document Number	0000088681
Instrument Date	Mar 8, 2019
Transaction Type	Mortgage
Record Updated	Mar 19, 2019
Title Company	WFG NATIONAL TITLE COMPANY, WFG NAT'L TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	4056 ALTO ST OCEANSIDE CA 920564617, OCEANSIDE, CA 92056-4617

Mortgage

Document Number	0000088681
Date	Mar 13, 2019
Instrument	88681

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 12, 2049

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 5, 2018
Property Address	4056 ALTO ST, OCEANSIDE, CA 92056-4617
Document Number	0000272919
Instrument Date	Jun 20, 2018
Instrument	272919
Transaction Type	Transfer
Record Updated	Jul 16, 2018
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4056 ALTO ST OCEANSIDE CA 920564617, OCEANSIDE, CA 92056-4617

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4056 ALTO ST, OCEANSIDE, CA 92056-4617
Document Number	0000258638
Instrument Date	Mar 12, 2018
Transaction Type	Mortgage
Record Updated	Jul 2, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4056 ALTO ST OCEANSIDE CA 920564617, OCEANSIDE, CA 92056-4617

Mortgage

Document Number	0000258638
Date	Jun 26, 2018
Instrument	258638

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jun 25, 2038

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	Carlsbad Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$418,159 (+2%) Land $267,792 Building $150,367
2025	$4,397.00 (+4.14%) Homeowner's exemption	$409,961 (+4.04%) Land $262,542 Building $147,419
2023	$4,222.00 (+1.61%) Homeowner's exemption	$394,045 Land $252,349 Building $141,696
2022	$4,155.00

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 66% of the US · lower than 80% of California
Wildfire Likelihood	0.04% 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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