4188 Terry St, Oceanside, CA 92056 Property Records

San Diego County property record for 4188 Terry St, Oceanside, CA 92056

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,311 sqft · built 1974
Lot Size	0.175 acres (7,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$173,000 (Jun 1999)
Tax Bill	$3,036 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`162-343-16-00`

Property Details

APN / Parcel Number

Primary APN	`162-343-16-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,311 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	7,600 sqft (0.175 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4188 TERRY ST
City	OCEANSIDE
State	CA
Zip	92056-3413
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 46 TR 007583
Legal Subdivision	COLLEGE PARK ESTATES
Legal Tract	007583
Legal Block	1
Legal Lot Number	46
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1005
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	4188 TERRY ST, OCEANSIDE, CA 92056-3413
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 23, 2022	Deed of Trust, Mortgage · Line of Credit FARMERS INSURANCE GROUP FCU
Apr 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Aug 13, 2019	Deed of Trust, Mortgage · Line of Credit FRONTWAVE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 8, 1999 · Amount on Record
Deed Sale	Jun 8, 1999 · Amount on Record
Prior Sale	Mar 25, 1986 · Amount on Record
Deed Document Number	1999397144
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4188 TERRY ST, OCEANSIDE, CA 92056-3413
Transaction Type	Mortgage
Record Updated	Dec 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4188 TERRY ST, OCEANSIDE, CA 92056-3413

Mortgage

Document Number	0000447657
Date	Nov 23, 2022
Instrument	2022-0447657

Lender

Name	FARMERS INSURANCE GROUP FCU
Type	Credit Union
Address	BURBANK, CA 91504

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Nov 16, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4188 TERRY ST, OCEANSIDE, CA 92056-3413
Transaction Type	Mortgage
Record Updated	Apr 20, 2021
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4188 TERRY ST, OCEANSIDE, CA 92056-3413

Mortgage

Document Number	0000273195
Date	Apr 8, 2021
Instrument	2021-0273195

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2036

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4188 TERRY ST, OCEANSIDE, CA 92056-3413
Document Number	0000352641
Instrument Date	Aug 13, 2019
Transaction Type	Mortgage
Record Updated	Aug 28, 2019
Title Company	CHICAGO TITLE PIRT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4188 TERRY ST OCEANSIDE CA 920563413, OCEANSIDE, CA 92056-3413

Mortgage

Document Number	0000352641
Date	Aug 20, 2019
Instrument	352641

Lender

Name	FRONTWAVE CU
Address	OCEANSIDE, CA 92056

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 19, 2049

Interest

Rate Type	Adjustable Rate

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		$276,610 (+2%) Land $151,896 Building $124,714
2025	$3,036.00 (+8.74%) Homeowner's exemption	$271,187 (+4.04%) Land $148,918 Building $122,269
2023	$2,792.00 (+0.32%) Homeowner's exemption	$260,659 Land $143,137 Building $117,522
2022	$2,783.00

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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