4146 Esperanza Way, Oceanside, CA 92056 Property Records

San Diego County property record for 4146 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	0.54 acres (2,358 sqft)
Owner	2 Individual Names on File
Last Sale	$625,000 (Apr 2021)
Tax Bill	$7,694 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Dec 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`162-531-31-00`

Property Details

APN / Parcel Number

Primary APN	`162-531-31-00`

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	2,358 sqft (0.54 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	4146 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 56 TR 011524
Legal Subdivision	OCEANSIDE CANYON
Legal Tract	011524
Legal Block	2
Legal Lot Number	56
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2009
Census Tract	19403

Owner

4146 Esperanza Way is owned and occupied by two individuals who bought it in April 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	4146 ESPERANZA WAY, OCEANSIDE, CA 92056-3400
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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
Apr 23, 2021	Grant Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Dec 9, 2019	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
May 24, 2017	Grant Deed, Transfer · VA Mortgage JMJ FINANCIAL GROUP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 23, 2021 · Amount on File
Deed Sale	Apr 23, 2021 · Amount on File
Prior Sale	May 24, 2017 · Amount on File
Deed Document Number	2021316734
Prior Transfer Date	May 24, 1994
Prior Transfer Doc	0000359513
Record Updated	Oct 29, 2026

April 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 23, 2021
Property Address	4146 ESPERANZA WAY, OCEANSIDE, CA 92056-3400
Document Number	0000316734
Map Reference	MAP 11524
Instrument Date	Apr 1, 2021
Instrument	2021-0316734
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	LAWYERS TITLE SAN DIEGO

Transaction

Amount	Amount on Record
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	4146 ESPERANZA WAY, OCEANSIDE, CA 92056-3400

Mortgage

Document Number	0000316735
Date	Apr 23, 2021
Instrument	2021-0316735

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

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

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4146 ESPERANZA WAY, OCEANSIDE, CA 92056-3400
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000571064
Date	Dec 9, 2019
Instrument	2019-0571064

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2049

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 24, 2017
Property Address	4146 ESPERANZA WAY, OCEANSIDE, CA 92056-3400
Document Number	0000232343
Map Reference	MAP11524
Instrument Date	May 19, 2017
Instrument	2017-0232343
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	NEXTITLE

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	Community Property
Address	4146 ESPERANZA WAY, OCEANSIDE, CA 92056-3400

Mortgage

Document Number	0000232344
Date	May 24, 2017
Instrument	2017-0232344

Lender

Name	JMJ FINANCIAL GROUP
Type	Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 4146 Esperanza Way was $7,694.

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		$690,046 (+2%) Land $425,955 Building $264,091
2025	$7,694.00	$676,516 Land $417,603 Building $258,913
2023	$7,081.00 (+0.24%)	$650,248 Land $401,388 Building $248,860
2022	$7,064.00

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

Flood

FEMA maps place 4146 Esperanza Way in Zone X, an area of minimal flood risk, within 100 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 100 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 4146 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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