4228 Esperanza Way, Oceanside, CA 92056 Property Records

San Diego County property record for 4228 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	0.58 acres (2,508 sqft)
Owner	2 Company Names on Record
Last Sale	$795,000 (Feb 2025)
Tax Bill	$8,080 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Aug 2026 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`162-531-43-00`

Property Details

APN / Parcel Number

Primary APN	`162-531-43-00`

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	2,508 sqft (0.58 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	4228 ESPERANZA WAY
City	OCEANSIDE
State	CA
Zip	92056-3457
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-A
Legal Description	LOT 68 TR 011525
Legal Subdivision	OCEANSIDE CANYON
Legal Tract	011525
Legal Block	2
Legal Lot Number	68
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2009
Census Tract	19403

Owner

Source: San Diego County records, as of August 21, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Company Names on Record
Mailing Address	4228 ESPERANZA WAY, OCEANSIDE, CA 92056-3457
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 8, 2026	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Aug 13, 2026	Grant Deed, Transfer NONE LISTED ON DOCUMENT
Feb 25, 2025	Grant Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Dec 18, 2023	Intrafamily Transfer, Transfer ORABGE COAST TITLE, ORANGE COAST TITLE
Dec 18, 2023	Grant Deed, Transfer ORABGE COAST TITLE, ORANGE COAST TITLE
Dec 29, 2017	Affidavit of Death, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 25, 2025 · Amount on Record
Deed Sale	Feb 25, 2025 · Amount on Record
Prior Sale	Dec 18, 2023 · Amount on Record
Deed Document Number	202547916
Last Transfer Date	Jun 26, 2026
Transfer Doc	0000237731
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4228 ESPERANZA WAY, OCEANSIDE, CA 92056-3457
Transaction Type	Mortgage
Record Updated	Jul 1, 2026
Title Company	SOLIDIFI TITLE COMPANY OF CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4228 ESPERANZA WAY, OCEANSIDE, CA 92056-3457

Mortgage

Document Number	0000005595
Date	Jan 8, 2026
Instrument	2026-0005595

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2056

August 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 13, 2026
Property Address	4228 ESPERANZA WAY, OCEANSIDE, CA 92056-3457
Document Number	0000237731
Instrument Date	Jun 26, 2026
Instrument	2026237731
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	4228 ESPERANZA WAY, OCEANSIDE, CA 92056-3457

February 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 25, 2025
Property Address	4228 ESPERANZA WAY, OCEANSIDE, CA 92056-3457
Document Number	0000047916
Map Reference	MAP 11525
Instrument Date	Feb 24, 2025
Instrument	2025-0047916
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	N TITLE COMPANY, OSN TITLE COMPANY

Transaction

Amount	Amount Recorded
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	28228 ESPERANZA WAY, OCEANSIDE, CA 92056

Mortgage

Document Number	0000047917
Date	Feb 25, 2025
Instrument	2025-0047917

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2055

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 18, 2023
Property Address	4228 ESPERANZA WAY, OCEANSIDE, CA 92056-3457
Document Number	0000347083
Map Reference	MAP 11625
Instrument Date	Dec 15, 2023
Instrument	2023-0347083
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	ORABGE COAST TITLE, ORANGE COAST TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40077 ADIAN CT, TEMECULA, CA 92591-1633

December 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 18, 2023
Property Address	4228 ESPERANZA WAY, OCEANSIDE, CA 92056-3457
Document Number	0000347082
Map Reference	MAP 11525
Instrument Date	Dec 15, 2023
Instrument	2023-0347082
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	ORABGE COAST TITLE, ORANGE COAST TITLE

Transaction

Amount	Amount Recorded
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
Address	410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976
Investor	Possibly a Property Investor

December 2017: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 29, 2017
Property Address	4228 ESPERANZA WAY, OCEANSIDE, CA 92056-3457
Document Number	0000615458
Instrument Date	Dec 28, 2017
Instrument	615458
Transaction Type	Transfer
Record Updated	Jan 5, 2018

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40077 ADIAN CT TEMECULA CA 925911633, TEMECULA, CA 92591-1633

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		$810,899 (+14.09%) Land $474,672 Building $336,227
2025	$8,080.00 (+64.97%)	$710,735 (+58.51%) Land $416,039 Building $294,696
2023	$4,898.00 (+0.25%)	$448,392 Land $262,473 Building $185,919
2022	$4,886.00

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

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

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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