4113 Vela Way, Oceanside, CA 92057 Property Records

San Diego County property record for 4113 Vela Way, Oceanside, CA 92057

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 1,642 sqft · built 2019
Owner	2 Individual Names on File
Last Sale	$507,000 (Sep 2019)
Tax Bill	$6,231 (2025)
Deeds & Mortgages	May 2026 Line of Credit Jul 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`158-070-84-02`

Property Details

APN / Parcel Number

Primary APN	`158-070-84-02`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,642 sqft Living Area

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Condo/Apartment
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	4113 VELA WAY
City	OCEANSIDE
State	CA
Zip	92057-3548
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	PD-26
Legal Description	LOT 1 US 12 PER DOC18-0506225&19-0165369&UND INT IN MODULE 2 TR 016268
Legal Subdivision	VILLA STORIA-PLANNING AREA 4A
Legal Tract	016268
Legal Block	1
Legal Lot Number	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1013
Census Tract	18521

Owner

Source: San Diego County assessment roll, as of July 21, 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	4113 VELA WAY, OCEANSIDE, CA 92057-3548
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
May 11, 2026	Deed of Trust, Mortgage · Line of Credit KEYPOINT CREDIT UNION
Jul 26, 2022	Deed of Trust, Mortgage · Line of Credit FRONTWAVE CU
Nov 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage FRONTWAVE CU
Apr 21, 2020	Deed of Trust, Mortgage · Conventional with PMI FRONTWAVE CU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 13, 2019 · Amount on Record
Deed Sale	Sep 13, 2019 · Amount on Record
Deed Document Number	2019400695
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	May 11, 2026
Property Address	4113 VELA WAY, OCEANSIDE, CA 92057-3548
Document Number	0000133395
Instrument Date	May 6, 2026
Instrument	2026133395
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	LAWYERS TITLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property, 149
Address	4113 VELA WAY, OCEANSIDE, CA 92057-3548
Investor	Possibly a Property Investor

Mortgage

Document Number	0000133395,
Date	May 11, 2026
Instrument	2026133395

Lender

Name	KEYPOINT CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	May 11, 2051

Interest

Rate	6.37%
Max Rate	-1%

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4113 VELA WAY, OCEANSIDE, CA 92057-3548
Transaction Type	Mortgage
Record Updated	Aug 3, 2022
Title Company	CHICAGO TITLE PIRT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4113 VELA WAY, OCEANSIDE, CA 92057-3548

Mortgage

Document Number	0000304667
Date	Jul 26, 2022
Instrument	2022-0304667

Lender

Name	FRONTWAVE CU
Type	Credit Union
Address	OCEANSIDE, CA 92056

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jul 24, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4113 VELA WAY, OCEANSIDE, CA 92057-3548
Transaction Type	Mortgage
Record Updated	Nov 15, 2021
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4113 VELA WAY, OCEANSIDE, CA 92057-3548

Mortgage

Document Number	0000769021
Date	Nov 4, 2021
Instrument	2021-0769021

Lender

Name	FRONTWAVE CU
Type	Credit Union
Address	OCEANSIDE, CA 92056

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4113 VELA WAY, OCEANSIDE, CA 92057-3548
Document Number	0000219692
Instrument Date	Apr 21, 2020
Transaction Type	Mortgage
Record Updated	May 8, 2020
Title Company	STEWART TITLE, STEWART TITLE/CA

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	4113 VELA WAY OCEANSIDE CA 920573548, OCEANSIDE, CA 92057-3548

Mortgage

Document Number	0000219692
Date	Apr 30, 2020
Instrument	219692

Lender

Name	FRONTWAVE CU
Address	OCEANSIDE, CA 92056

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 29, 2050

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 2026

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Municipality	Oceanside City
Unified School District	Oceanside Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$565,563 (+2%) Land $278,876 Building $286,687
2025	$6,231.00 (+1.95%)	$554,474 (+4.04%) Land $273,408 Building $281,066
2024	$6,112.00 (+3.17%)
2023	$5,924.00 (+1.53%)	$532,945 Land $262,793 Building $270,152
2022	$5,835.00

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 16 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	16 in force

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 97% of the US · lower than 97.8% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF OCEANSIDE serves 174,340 people · EPA ID CA3710014
Water Source	Purchased surface water from several systems
Lead	Under 1 ppb (2022–2024) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 829 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Starlink Satellite	280 / 30
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: California Internet, T-Mobile USA, Verizon.

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