San Diego County property record for 4203 Esperanza Way, Oceanside, CA 92056
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,539 sqft · built 1990 |
| Lot Size | 0.77 acres (3,359 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $245,000 (May 2012) |
| Tax Bill | $3,528 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 162-531-61-00 |
| Primary APN | 162-531-61-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,539 sqft Living Area |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Lot Area | 3,359 sqft (0.77 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 4203 ESPERANZA WAY |
|---|---|
| City | OCEANSIDE |
| State | CA |
| Zip | 92056-3458 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RM-A |
| Legal Description | LOT 86 TR 011525 |
| Legal Subdivision | OCEANSIDE CANYON |
| Legal Tract | 011525 |
| Legal Block | 2 |
| Legal Lot Number | 86 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | OCEANSIDE-ESCONDIDO |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 19403 |
4203 Esperanza Way is held in a trust since May 2012.
Source: San Diego County records, as of July 28, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 1320 SEACOAST DR, K, IMPERIAL BEACH, CA 91932-3165 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 25, 2012 · Amount on File |
| Deed Sale | May 25, 2012 · Amount on File |
| Prior Sale | Feb 27, 2007 · Amount on File |
| Deed Document Number | 2012307825 |
| Prior Transfer Date | Mar 31, 1994 |
| Prior Transfer Doc | 0000244503 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 4203 ESPERANZA WAY, OCEANSIDE, CA 92056-3458 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2026 |
| Title Company | LAWYERS TITLE |
| Name | Verified Name |
|---|---|
| Address | 1320 SEACOAST DR K, K, IMPERIAL BEACH, CA 91932-3165 |
| Document Number | 0000047316 |
|---|---|
| Date | Feb 20, 2026 |
| Instrument | 2026-0047316 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28277 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2056 |
The 2025 property tax bill for 4203 Esperanza Way was $3,528.
Source: San Diego County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Municipality | Oceanside City |
| Unified School District | Vista Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $313,874 (+2%) Land $195,697 Building $118,177 | |
| 2025 | $3,528.00 | $307,720 Land $191,860 Building $115,860 |
| 2023 | $3,248.00 (+0.28%) | $295,773 Land $184,411 Building $111,362 |
| 2022 | $3,239.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 4203 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.
The area around 4203 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.
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 |
| 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.
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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