4127 Teresa St, Oceanside, CA 92056 Property Records

San Diego County property record for 4127 Teresa St, Oceanside, CA 92056

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,311 sqft · built 1974
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$560,000 (Feb 2021)
Tax Bill	$6,820 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`162-283-09-00`

Property Details

APN / Parcel Number

Primary APN	`162-283-09-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,311 sqft Living Area

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Lot Area	6,000 sqft (0.138 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	4127 TERESA ST
City	OCEANSIDE
State	CA
Zip	92056-3416
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 62 TR 007351
Legal Subdivision	COLLEGE PARK ESTATES
Legal Tract	007351
Legal Block	1
Legal Lot Number	62
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1009
Census Tract	18519

Owner

Source: San Diego County records, as of July 28, 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 Record
Mailing Address	4127 TERESA ST, OCEANSIDE, CA 92056-3416
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2023	Deed of Trust, Mortgage · Line of Credit BANNER BANK
Feb 26, 2021	Grant Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 26, 2021 · Amount on Record
Deed Sale	Feb 26, 2021 · Amount on Record
Prior Sale	Oct 10, 2012 · Amount on Record
Deed Document Number	2021154339
Transfer Doc	0000154338
Record Updated	Sep 20, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4127 TERESA ST, OCEANSIDE, CA 92056-3416
Transaction Type	Mortgage
Record Updated	Nov 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4127 TERESA ST, OCEANSIDE, CA 92056-3416

Mortgage

Document Number	0000295847
Date	Oct 27, 2023
Instrument	2023-0295847

Lender

Name	BANNER BANK
Type	Bank
Address	ESCONDIDO, CA 92027

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 26, 2021
Property Address	4127 TERESA ST, OCEANSIDE, CA 92056-3416
Document Number	0000154339
Map Reference	MAP 7351
Instrument Date	Feb 2, 2021
Instrument	2021-0154339
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	LAWYERS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment 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	Community Property with Right of Survivorship
Address	4127 TERESA ST, OCEANSIDE, CA 92056-3416

Mortgage

Document Number	0000154340
Date	Feb 26, 2021
Instrument	2021-0154340

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

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

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	Vista Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$618,280 (+2%) Land $400,185 Building $218,095
2025	$6,820.00 (+8.7%) Homeowner's exemption	$606,158 (+4.04%) Land $392,339 Building $213,819
2023	$6,274.00 (+0.27%) Homeowner's exemption	$582,622 Land $377,105 Building $205,517
2022	$6,257.00

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	2 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	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 734 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
FiberFirst Fiber	5,000 / 5,000
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: GeoLinks, T-Mobile.

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