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4176 Terry St, Oceanside, CA 92056 Property Records

San Diego County property record for 4176 Terry St, Oceanside, CA 92056

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 1,824 sqft · built 1974
Lot Size0.184 acres (8,000 sqft)
Owner2 Individual Names on File
Last Sale$310,000 (Dec 2002)
Tax Bill$5,044 (2025)
Deeds & MortgagesApr 2026 Reverse Mortgage
Dec 2021 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN162-343-13-00

Property Details

APN / Parcel Number

Primary APN162-343-13-00

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms7 Rooms
Stories2 Stories
Building Area1,824 sqft Living Area
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1974
Effective Year BuiltEffective 1974
Architectural StyleContemporary
Exterior MaterialStucco
Construction TypeFrame
Roof MaterialComposition Shingle
Lot Area8,000 sqft (0.184 acres)
View / LotGood
Garage TypeCarport
CarportCarport
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address4176 TERRY ST
CityOCEANSIDE
StateCA
Zip92056-3413
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRS
Legal DescriptionLOT 43 TR 007583
Legal SubdivisionCOLLEGE PARK ESTATES
Legal Tract007583
Legal Block1
Legal Lot Number43
JurisdictionSAN DIEGO CA
Township / Civil DivisionOCEANSIDE-ESCONDIDO
Census Block Group1
Census Block1005
Census Tract18519

Owner

Source: San Diego County records · APN 162-343-13-00

Assessment roll updated July 21, 2026 · Last verified July 2026

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

Owner of Record2 Individual Names on File
Mailing Address4176 TERRY ST, OCEANSIDE, CA 92056-3413
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Apr 14, 2026Deed of Trust, Mortgage · Reverse Mortgage
FINANCE OF AMERICA REVERSE LLC
Dec 29, 2021Intrafamily Transfer, Transfer · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Nov 02, 2017Deed of Trust, Mortgage · Conventional Mortgage
FREEDOM MORTGAGE CORP
May 19, 2019Deed of Trust, Mortgage · Conventional Mortgage
POINT DIGITAL FIN INC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleDec 27, 2002 · Amount on Record
Deed SaleDec 27, 2002 · Amount on Record
Prior SaleMay 07, 1991 · Amount on Record
Deed Document Number20021194569
Last Transfer DateDec 17, 2021
Transfer Doc0000871474
Record UpdatedSep 20, 2026

April 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Recording DateApr 14, 2026
Property Address4176 TERRY ST, OCEANSIDE, CA 92056-3413
Document Number0000103542
Instrument DateApr 09, 2026
Instrument2026103542
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanySOLIDIFI TITLE AND CLOSING, SOLIDIFI

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants, 205
Address4176 TERRY ST, OCEANSIDE, CA 92056-3413

Mortgage

Document Number0000103542,
DateApr 14, 2026
Instrument2026103542
Lender
NameFINANCE OF AMERICA REVERSE LLC
Agreement
TypeReverse Mortgage
AmountAmount Recorded
Term939 Months
DueJul 01, 2104
Interest
Rate6.11%
Max Rate-1%

December 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSAN DIEGO CA
Recording DateDec 29, 2021
Property Address4176 TERRY ST, OCEANSIDE, CA 92056-3413
Document Number0000871474
Map ReferenceMAP 7583
Instrument DateDec 17, 2021
Instrument2021-0871474
Transaction TypeTransfer
Record UpdatedJan 07, 2022
Title CompanyTICOR TITLE COMPANY/CA, TICOR TITLE COMPANY OF CA

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address4176 TERRY ST, OCEANSIDE, CA 92056-3413

Mortgage

Document Number0000871475
DateDec 29, 2021
Instrument2021-0871475
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJan 01, 2052

November 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address4176 TERRY ST, OCEANSIDE, CA 92056-3413
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyTITLE 365

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000511410
DateNov 02, 2017
Instrument2017-0511410
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueNov 01, 2047

May 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address4176 TERRY ST, OCEANSIDE, CA 92056-3413
Document Number0000213689
Instrument DateMay 19, 2019
Transaction TypeMortgage
Record UpdatedJun 11, 2019
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address4176 TERRY ST OCEANSIDE CA 920563413, OCEANSIDE, CA 92056-3413

Mortgage

Document Number0000213689
DateJun 04, 2019
Instrument213689
Lender
NamePOINT DIGITAL FIN INC
AddressPALO ALTO, CA 94302
Agreement
TypeConventional Mortgage
AmountAmount Recorded

Tax Assessment & Valuation

Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySan Diego County
MunicipalityOceanside City
Unified School DistrictVista Unified School District (KG - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed Value
2026$457,944 (+2%) Land $251,131 Building $206,813
2025$5,044.00 (+6.06%) Homeowner's exemption$448,965 (+4.04%) Land $246,207 Building $202,758
2024$4,756.00 (+2.5%)
2023$4,640.00 (+0.28%) Homeowner's exemption$431,534 Land $236,648 Building $194,886
2022$4,627.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 3, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies2 in force

Wildfire

Wildfire RiskNot rated
no burnable land within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Generate-Ubiquity Holdings
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: California Internet, T-Mobile USA.

Based on FCC filings for 734 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemCITY OF OCEANSIDE
serves 174,340 people
Water SourcePurchased surface water from several systems
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

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