4070 Alto St, Oceanside, CA 92056 Property Records

San Diego County property record for 4070 Alto St, Oceanside, CA 92056

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,480 sqft · built 1970
Lot Size	0.188 acres (8,200 sqft)
Owner	Company Name on File
Last Sale	$250,000 (May 2010)
Tax Bill	$3,532 (2025)
Deeds & Mortgages	May 2022 Line of Credit Feb 2022 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`168-080-02-00`

Property Details

APN / Parcel Number

Primary APN	`168-080-02-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,480 sqft Living Area

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Lot Area	8,200 sqft (0.188 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	4070 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 74 TR 006388
Legal Subdivision	MIRA COSTA MESA
Legal Tract	006388
Legal Block	1
Legal Lot Number	74
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1021
Census Tract	19805

Owner

4070 Alto St is owned by a company that acquired it in February 2022.

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

Owner of Record	Company Name on File
Mailing Address	4070 ALTO ST, OCEANSIDE, CA 92056-4617
Owner Type	Company
Vesting	Borrower in Default

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
May 9, 2022	Deed of Trust, Mortgage · Line of Credit AIM CU
Feb 24, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage ANCHOR FUNDING INC
Apr 22, 2022	Intrafamily Transfer, Transfer ACCOMMODATION
Sep 15, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Sep 15, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Feb 19, 2020	Deed of Trust, Mortgage · Line of Credit ALLIANT CU
Nov 13, 2019	Deed of Trust, Mortgage · Conventional Mortgage SOFI LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 25, 2010 · Amount on File
Deed Sale	May 25, 2010 · Amount on File
Deed Document Number	2010260026
Last Transfer Date	Feb 7, 2022
Transfer Doc	0000176886
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4070 ALTO ST, OCEANSIDE, CA 92056-4617
Transaction Type	Mortgage
Record Updated	May 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4070 ALTO ST, OCEANSIDE, CA 92056-4617

Mortgage

Document Number	0000199277
Date	May 9, 2022
Instrument	2022-0199277

Lender

Name	AIM CU
Type	Credit Union
Address	CHICAGO, IL 60666

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 8, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 24, 2022
Property Address	4070 ALTO ST, OCEANSIDE, CA 92056-4617
Document Number	0000085546
Map Reference	MAP 6388
Instrument Date	Feb 7, 2022
Instrument	2022-0085546
Transaction Type	Transfer
Record Updated	Mar 2, 2022
Title Company	WESTERN RESOURCES TITLE

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
Address	4070 ALTO ST, OCEANSIDE, CA 92056-4617

Mortgage

Document Number	0000085547
Date	Feb 24, 2022
Instrument	2022-0085547

Lender

Name	ANCHOR FUNDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 22, 2022
Property Address	4070 ALTO ST, OCEANSIDE, CA 92056-4617
Document Number	0000176886
Map Reference	MAP 6388
Instrument Date	Feb 7, 2022
Instrument	2022-0176886
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

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	Family Trust
Address	4070 ALTO ST, OCEANSIDE, CA 92056-4617

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 15, 2020
Property Address	4070 ALTO ST, OCEANSIDE, CA 92056-4617
Document Number	0000539712
Instrument Date	Sep 2, 2020
Instrument	539712
Transaction Type	Transfer
Record Updated	Sep 23, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	4070 ALTO ST OCEANSIDE CA 920564617, OCEANSIDE, CA 92056-4617

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 15, 2020
Property Address	4070 ALTO ST, OCEANSIDE, CA 92056-4617
Document Number	0000539711
Instrument Date	Sep 2, 2020
Instrument	539711
Transaction Type	Transfer
Record Updated	Sep 23, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	4070 ALTO ST OCEANSIDE CA 920564617, OCEANSIDE, CA 92056-4617

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4070 ALTO ST, OCEANSIDE, CA 92056-4617
Document Number	0000274103
Instrument Date	Feb 19, 2020
Transaction Type	Mortgage
Record Updated	Jun 9, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4070 ALTO ST OCEANSIDE CA 920564617, OCEANSIDE, CA 92056-4617

Mortgage

Document Number	0000274103
Date	May 29, 2020
Instrument	274103

Lender

Name	ALLIANT CU
Type	Credit Union
Address	CHICAGO, IL 60666

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	May 28, 2045

Interest

Rate Type	Adjustable Rate

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4070 ALTO ST, OCEANSIDE, CA 92056-4617
Document Number	0000535960
Instrument Date	Nov 13, 2019
Transaction Type	Mortgage
Record Updated	Nov 29, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4070 ALTO ST OCEANSIDE CA 920564617, OCEANSIDE, CA 92056-4617

Mortgage

Document Number	0000535960
Date	Nov 19, 2019
Instrument	535960

Lender

Name	SOFI LNDG
Address	COTTONWOOD HEIGHTS, UT 84121

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 18, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 4070 Alto St was $3,532.

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		$329,141 (+2%) Land $204,069 Building $125,072
2025	$3,532.00	$322,688 Land $200,068 Building $122,620
2023	$3,393.00 (+1.56%)	$310,159 Land $192,300 Building $117,859
2022	$3,341.00

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

Flood

FEMA maps place 4070 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 4070 Alto St is low, with a 0.02% 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	0.02% 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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