4225 Calle del Rio, Oceanside, CA 92057 Property Records

San Diego County property record for 4225 Calle del Rio, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,395 sqft · built 2018
Lot Size	0.104 acres (4,538 sqft)
Owner	2 Individual Names on File
Last Sale	$638,500 (Jan 2019)
Tax Bill	$7,993 (2025)
Deeds & Mortgages	Apr 2021 Line of Credit Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`158-104-54-00`

Property Details

APN / Parcel Number

Primary APN	`158-104-54-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,395 sqft Living Area

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Lot Area	4,538 sqft (0.104 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	4225 CALLE DEL RIO
City	OCEANSIDE
State	CA
Zip	92057-6477
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 54 TR 016181
Legal Subdivision	VILLA STORIA PLANNING AREA 1
Legal Tract	016181
Legal Block	2
Legal Lot Number	54
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2018
Census Tract	18521

Owner

4225 Calle del Rio is owned and occupied by two individuals who bought it in January 2019.

Source: San Diego County records, as of July 22, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4225 CALLE DEL RIO, OCEANSIDE, CA 92057-6477
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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 28, 2021	Deed of Trust, Mortgage · Line of Credit BBVA USA
Mar 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Sep 27, 2019	Deed of Trust, Mortgage QUICKEN LNS
Jan 17, 2019	Grant Deed, Subdivision Related Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 17, 2019 · Amount on File
Deed Sale	Jan 17, 2019 · Amount on File
Deed Document Number	201919914
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4225 CALLE DEL RIO, OCEANSIDE, CA 92057-6477
Transaction Type	Mortgage
Record Updated	Jun 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4225 CALLE DEL RIO, OCEANSIDE, CA 92057-6477

Mortgage

Document Number	0000327119
Date	Apr 28, 2021
Instrument	2021-0327119

Lender

Name	BBVA USA
Type	Bank
Address	SAN DIEGO, CA 92126

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Apr 2, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4225 CALLE DEL RIO, OCEANSIDE, CA 92057-6477
Transaction Type	Mortgage
Record Updated	Mar 23, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4225 CALLE DEL RIO, OCEANSIDE, CA 92057-6477

Mortgage

Document Number	0000181528
Date	Mar 9, 2021
Instrument	2021-0181528

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	356 Months
Due	Nov 1, 2050

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4225 CALLE DEL RIO, OCEANSIDE, CA 92057-6477
Document Number	0000440310
Instrument Date	Sep 27, 2019
Transaction Type	Mortgage
Record Updated	Oct 15, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4225 CALLE DEL RIO OCEANSIDE CA 920576477, OCEANSIDE, CA 92057-6477

Mortgage

Document Number	0000440310
Date	Oct 3, 2019
Instrument	440310

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 2, 2049

January 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 17, 2019
Property Address	4225 CALLE DEL RIO, OCEANSIDE, CA 92057-6477
Document Number	0000019914
Map Reference	MAP 16181
Instrument Date	Dec 20, 2018
Instrument	2019-0019914
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 24, 2021
Title Company	FNTG BUILDER SERVICES

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	Joint Tenants
Address	4225 CALLE DEL RIO, OCEANSIDE, CA 92057-6477

Mortgage

Document Number	0000019915
Date	Jan 17, 2019
Instrument	2019-0019915

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 4225 Calle del Rio was $7,993.

Source: San Diego County assessment roll, as of July 21, 2026

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Municipality	Oceanside City
Unified School District	Oceanside Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$725,969 (+2%) Land $341,347 Building $384,622
2025	$7,993.00	$711,735 Land $334,654 Building $377,081
2023	$7,598.00 (+1.52%)	$684,100 Land $321,660 Building $362,440
2022	$7,484.00

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

Flood

FEMA maps place 4225 Calle del Rio in Zone X, an area of moderate flood risk.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 16 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	16 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

Wildfire risk around 4225 Calle del Rio is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 829 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
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks, T-Mobile, Verizon.

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