4122 Esperanza Way, Oceanside, CA 92056 Property Records

San Diego County property record for 4122 Esperanza Way, Oceanside, CA 92056

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,539 sqft · built 1990
Lot Size	0.82 acres (3,588 sqft)
Owner	2 Trust Names on File
Last Sale	$590,000 (Mar 2021)
Tax Bill	$5,286 (2025)
Deeds & Mortgages	Dec 2025 Transfer Dec 2025 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`162-531-25-00`

Property Details

APN / Parcel Number

Primary APN	`162-531-25-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,539 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Conventional
Exterior Material	Stucco
Roof Material	Composition Shingle
Lot Area	3,588 sqft (0.82 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4122 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 50 TR 011524
Legal Subdivision	OCEANSIDE CANYON
Legal Tract	011524
Legal Block	2
Legal Lot Number	50
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2009
Census Tract	19403

Owner

4122 Esperanza Way is owner-occupied and held in a trust since March 2021.

Source: San Diego County records, as of August 26, 2026

Owner of Record	2 Trust Names on File
Mailing Address	4122 ESPERANZA WAY, OCEANSIDE, CA 92056-3400
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

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
Dec 23, 2025	Intrafamily Transfer, Transfer
Dec 16, 2025	Intrafamily Transfer, Transfer
Mar 19, 2021	Grant Deed, Transfer · VA Mortgage JMJ FINANCIAL GROUP
Dec 26, 2019	Quit Claim Deed, Transfer · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 19, 2021 · Amount on File
Deed Sale	Mar 19, 2021 · Amount on File
Prior Sale	Nov 14, 2005 · Amount on File
Deed Document Number	2021217820
Prior Transfer Date	Dec 7, 2019
Prior Transfer Doc	0000604993
Record Updated	Oct 29, 2026

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 23, 2025
Property Address	4122 ESPERANZA WAY, OCEANSIDE, CA 92056-3400
Document Number	0000361092
Map Reference	MAP 11524
Instrument Date	Dec 4, 2025
Instrument	2025-0361092
Transaction Type	Transfer
Record Updated	Dec 31, 2025

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	4122 ESPERANZA WAY, OCEANSIDE, CA 92056-3400

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 16, 2025
Property Address	4122 ESPERANZA WAY, OCEANSIDE, CA 92056-3400
Document Number	0000354766
Map Reference	MAP 11524
Instrument Date	Dec 4, 2025
Instrument	2025-0354766
Transaction Type	Transfer
Record Updated	Dec 26, 2025

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	4122 ESPERANZA WAY, OCEANSIDE, CA 92056-3400

March 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 19, 2021
Property Address	4122 ESPERANZA WAY, OCEANSIDE, CA 92056-3400
Document Number	0000217820
Map Reference	MAP 11524
Instrument Date	Feb 15, 2021
Instrument	2021-0217820
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN TITLE COMPANY RESID', FIRST AMER TTL CO RES DIV

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4122 ESPERANZA WAY, OCEANSIDE, CA 92056-3400

Mortgage

Document Number	0000217822
Date	Mar 19, 2021
Instrument	2021-0217822

Lender

Name	JMJ FINANCIAL GROUP
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 26, 2019
Property Address	4122 ESPERANZA WAY, OCEANSIDE, CA 92056-3400
Document Number	0000604993
Instrument Date	Dec 7, 2019
Instrument	604993
Transaction Type	Transfer
Record Updated	Jan 3, 2020
Title Company	STEWART TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	732 BANYAN CT SAN MARCOS CA 920691954, SAN MARCOS, CA 92069-1954

Mortgage

Document Number	604994
Date	Dec 26, 2019
Instrument	604994

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 25, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 4122 Esperanza Way was $5,286.

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		$651,402 (+2%) Land $306,750 Building $344,652
2025	$5,286.00	$638,631 Land $300,736 Building $337,895
2023	$5,241.00 (-21.44%)	$613,834 Land $289,059 Building $324,775
2022	$6,671.00

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

Flood

FEMA maps place 4122 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 4122 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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