4073 Alto St, Oceanside, CA 92056 Property Records

San Diego County property record for 4073 Alto St, Oceanside, CA 92056

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,480 sqft · built 1970
Lot Size	0.207 acres (9,000 sqft)
Owner	2 Individual Names on File
Last Sale	$555,500 (Feb 2017)
Tax Bill	$7,004 (2025)
Deeds & Mortgages	Feb 2021 Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`168-070-38-00`

Property Details

APN / Parcel Number

Primary APN	`168-070-38-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,480 sqft Living Area

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Lot Area	9,000 sqft (0.207 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	4073 ALTO ST
City	OCEANSIDE
State	CA
Zip	92056-4601
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RE-B
Legal Description	LOT 61 TR 006233
Legal Subdivision	MIRA COSTA MESA
Legal Tract	006233
Legal Block	1
Legal Lot Number	61
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1022
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	2 Individual Names on File
Mailing Address	4073 ALTO ST, OCEANSIDE, CA 92056-4601
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 15, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage FLAGSTAR BANK FSB
Feb 13, 2017	Grant Deed, Transfer · Conventional Mortgage BLUSTREAM LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 13, 2017 · Amount on File
Deed Sale	Feb 13, 2017 · Amount on File
Prior Sale	Jul 19, 2016 · Amount on File
Deed Document Number	201771629
Last Transfer Date	May 8, 2020
Transfer Doc	0000247990
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4073 ALTO ST, OCEANSIDE, CA 92056-4601
Transaction Type	Mortgage
Record Updated	Mar 3, 2021
Title Company	NORTH AMERICAN TITLE COMPANY, NORTH AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4073 ALTO ST, OCEANSIDE, CA 92056-4601

Mortgage

Document Number	0000122911
Date	Feb 17, 2021
Instrument	2021-0122911

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

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

May 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	May 15, 2020
Property Address	4073 ALTO ST, OCEANSIDE, CA 92056-4601
Document Number	0000247990
Map Reference	MAP 6233
Instrument Date	May 8, 2020
Instrument	2020-0247990
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	NORTH AMERICAN TITLE COMPANY

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	Community Property with Right of Survivorship
Address	4073 ALTO ST, OCEANSIDE, CA 92056-4601

Mortgage

Document Number	0000247991
Date	May 15, 2020
Instrument	2020-0247991

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

February 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 13, 2017
Property Address	4073 ALTO ST, OCEANSIDE, CA 92056-4601
Document Number	0000071629
Instrument Date	Jan 11, 2017
Instrument	71629
Transaction Type	Transfer
Record Updated	Feb 21, 2017
Title Company	ORANGE COAST TITLE COMPANY, ORANGE COAST TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$611.05
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	4073 ALTO ST OCEANSIDE CA 920564601, OCEANSIDE, CA 92056-4601

Mortgage

Document Number	71630
Date	Feb 13, 2017
Instrument	71630

Lender

Name	BLUSTREAM LNDG
Address	EMERYVILLE, CA 94608

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 12, 2047

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		$657,589 (+2%) Land $469,710 Building $187,879
2025	$7,004.00 (+4.07%)	$644,696 (+4.04%) Land $460,500 Building $184,196
2023	$6,730.00 (+1.57%)	$619,664 Land $442,619 Building $177,045
2022	$6,626.00

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 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

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, 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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