4114 Esperanza Way, Oceanside, CA 92056 Property Records

San Diego County property record for 4114 Esperanza Way, Oceanside, CA 92056

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,486 sqft · built 1990
Lot Size	0.62 acres (2,695 sqft)
Owner	Company Name on File
Last Sale	$290,000 (Mar 2003)
Tax Bill	$4,717 (2025)
Deeds & Mortgages	Nov 2022 Transfer Jun 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`162-531-23-00`

Property Details

APN / Parcel Number

Primary APN	`162-531-23-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,486 sqft Living Area

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Lot Area	2,695 sqft (0.62 acres)
View / Lot	Good

Location & Zoning

Street Address	4114 ESPERANZA WAY
City	OCEANSIDE
State	CA
Zip	92056-3400
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-A
Legal Description	LOT 48 TR 011524
Legal Subdivision	OCEANSIDE CANYON
Legal Tract	011524
Legal Block	2
Legal Lot Number	48
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2009
Census Tract	19403

Owner

4114 Esperanza Way is owned by a company that acquired it in October 2022 and is owner-occupied.

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

Owner of Record	Company Name on File
Mailing Address	4114 ESPERANZA WAY, OCEANSIDE, CA 92056-3400
Occupancy	Owner Occupied
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
Nov 3, 2022	Intrafamily Transfer, Transfer
Jun 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Dec 5, 2018	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Jul 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 12, 2003 · Amount on File
Deed Sale	Mar 12, 2003 · Amount on File
Prior Sale	Nov 16, 1993 · Amount on File
Deed Document Number	2003275020
Last Transfer Date	Oct 18, 2022
Transfer Doc	0000423403
Record Updated	Oct 29, 2026

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 3, 2022
Property Address	4114 ESPERANZA WAY, OCEANSIDE, CA 92056-3400
Document Number	0000423403
Map Reference	MAP 11524
Instrument Date	Oct 18, 2022
Instrument	2022-0423403
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	4114 ESPERANZA WAY, OCEANSIDE, CA 92056-3400

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4114 ESPERANZA WAY, OCEANSIDE, CA 92056-3400
Transaction Type	Mortgage
Record Updated	Jun 14, 2021
Title Company	AMERICAN SW TITLE, AMERICAN COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4114 ESPERANZA WAY, OCEANSIDE, CA 92056-3400

Mortgage

Document Number	0000414393
Date	Jun 3, 2021
Instrument	2021-0414393

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4114 ESPERANZA WAY, OCEANSIDE, CA 92056-3400
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK TITLE CALIFORNIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4114 ESPERANZA WAY, OCEANSIDE, CA 92056-3400

Mortgage

Document Number	0000499792
Date	Dec 5, 2018
Instrument	2018-0499792

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2048

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4114 ESPERANZA WAY, OCEANSIDE, CA 92056-3400
Document Number	0000401927
Instrument Date	Jul 17, 2020
Transaction Type	Mortgage
Record Updated	Aug 4, 2020
Title Company	AMERICAN COAST TITLE COMPANY, AMERICAN COAST TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4114 ESPERANZA WAY OCEANSIDE CA 920563400, OCEANSIDE, CA 92056-3400

Mortgage

Document Number	0000401927
Date	Jul 24, 2020
Instrument	401927

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 23, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 4114 Esperanza Way was $4,717 with a homeowner's exemption.

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	Vista Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$428,398 (+2%) Land $258,519 Building $169,879
2025	$4,717.00 Homeowner's exemption	$419,999 Land $253,450 Building $166,549
2023	$4,339.00 (+0.28%) Homeowner's exemption	$403,692 Land $243,609 Building $160,083
2022	$4,327.00

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

Flood

FEMA maps place 4114 Esperanza Way in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 3, 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 4114 Esperanza Way has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land 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	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 554 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: FiberFirst, Verizon.

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