4231 Esperanza Way, Oceanside, CA 92056 Property Records

San Diego County property record for 4231 Esperanza Way, Oceanside, CA 92056

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 948 sqft · built 1989
Lot Size	0.64 acres (2,776 sqft)
Owner	Individual Name on Record
Last Sale	$405,000 (Dec 2018)
Tax Bill	$2,104 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Dec 2018 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`162-531-54-00`

Property Details

APN / Parcel Number

Primary APN	`162-531-54-00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	948 sqft Living Area

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Lot Area	2,776 sqft (0.64 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	4231 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 79 TR 011525
Legal Subdivision	OCEANSIDE CANYON
Legal Tract	011525
Legal Block	2
Legal Lot Number	79
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2004
Census Tract	19403

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	4231 ESPERANZA WAY, OCEANSIDE, CA 92056-3458
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 17, 2018	Grant Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Oct 29, 2018	Quit Claim Deed, Transfer FIRST AMERICAN TITLE
Mar 7, 2018	Quit Claim Deed, Transfer WFG NATIONAL TITLE COMPANY/CA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 17, 2018 · Amount on Record
Deed Sale	Dec 17, 2018 · Amount on Record
Prior Sale	Oct 20, 2004 · Amount on Record
Deed Document Number	2018514985
Prior Transfer Date	Jun 13, 2006
Prior Transfer Doc	0000444358
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4231 ESPERANZA WAY, OCEANSIDE, CA 92056-3458
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4231 ESPERANZA WAY, OCEANSIDE, CA 92056-3458

Mortgage

Document Number	0000315689
Date	Apr 23, 2021
Instrument	2021-0315689

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Jan 1, 2051

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 17, 2018
Property Address	4231 ESPERANZA WAY, OCEANSIDE, CA 92056-3458
Document Number	0000514985
Map Reference	MAP 11525
Instrument Date	Dec 12, 2018
Instrument	2018-0514985
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	FIRST AMERICAN TITLE INSURAN

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	Joint Tenants
Address	4231 ESPERANZA WAY, OCEANSIDE, CA 92056-3458

Mortgage

Document Number	0000514986
Date	Dec 17, 2018
Instrument	2018-0514986

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Jan 1, 2048

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 29, 2018
Property Address	4231 ESPERANZA WAY, OCEANSIDE, CA 92056-3458
Document Number	0000451576
Instrument Date	Oct 24, 2018
Instrument	451576
Transaction Type	Transfer
Record Updated	Nov 5, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4231 ESPERANZA WAY OCEANSIDE CA 920563458, OCEANSIDE, CA 92056-3458

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 7, 2018
Property Address	4231 ESPERANZA WAY, OCEANSIDE, CA 92056-3458
Document Number	0000089263
Instrument Date	Mar 2, 2018
Instrument	89263
Transaction Type	Transfer
Record Updated	Mar 13, 2018
Title Company	WFG NATIONAL TITLE COMPANY/CA

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	4231 ESPERANZA WAY OCEANSIDE CA 920563458, OCEANSIDE, CA 92056-3458

Tax Assessment & Valuation

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	Vista Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$192,398 (+2%) Land $69,326 Building $123,072
2025	$2,104.00 (+8.79%) Homeowner's exemption	$188,626 (+4.04%) Land $67,967 Building $120,659
2023	$1,934.00 (+0.36%) Homeowner's exemption	$181,304 Land $65,329 Building $115,975
2022	$1,927.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 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.

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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