4236 Esperanza Way, Oceanside, CA 92056 Property Records

San Diego County property record for 4236 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	0.9 acres (3,905 sqft)
Owner	2 Individual Names on Record
Last Sale	$799,000 (Nov 2024)
Tax Bill	$9,077 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Jun 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`162-531-45-00`

Property Details

APN / Parcel Number

Primary APN	`162-531-45-00`

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	3,905 sqft (0.9 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	4236 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 70 TR 011525
Legal Subdivision	OCEANSIDE CANYON
Legal Tract	011525
Legal Block	2
Legal Lot Number	70
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 18, 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	4236 ESPERANZA WAY, OCEANSIDE, CA 92056-3457
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 28, 2021	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 15, 2019	Deed of Trust, Mortgage · Conventional Mortgage ROYAL PACIFIC FUNDING CORP
Sep 27, 2018	Grant Deed, Transfer · FHA Mortgage SUN WEST MORTGAGE COMPANY INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 21, 2024 · Amount on Record
Deed Sale	Nov 21, 2024 · Amount on Record
Prior Sale	Jun 28, 2021 · Amount on Record
Deed Document Number	2024324841
Prior Transfer Date	Jul 29, 2010
Prior Transfer Doc	0000406446
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4236 ESPERANZA WAY, OCEANSIDE, CA 92056-3457
Transaction Type	Mortgage
Record Updated	Jul 19, 2021
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2547 CHAUNCY PL, RIVERSIDE, CA 92506-4563

Mortgage

Document Number	0000491920
Date	Jul 8, 2021
Instrument	2021-0491920

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

June 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 28, 2021
Property Address	4236 ESPERANZA WAY, OCEANSIDE, CA 92056-3457
Document Number	0000465740
Map Reference	MAP 11525
Instrument Date	Jun 17, 2021
Instrument	2021-0465740
Transaction Type	Transfer
Record Updated	Jul 8, 2021
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

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	4236 ESPERANZA WAY, OCEANSIDE, CA 92056-3457

Mortgage

Document Number	0000465741
Date	Jun 28, 2021
Instrument	2021-0465741

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4236 ESPERANZA WAY, OCEANSIDE, CA 92056-3457
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4236 ESPERANZA WAY, OCEANSIDE, CA 92056-3457

Mortgage

Document Number	0000731993
Date	Nov 18, 2020
Instrument	2020-0731993

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4236 ESPERANZA WAY, OCEANSIDE, CA 92056-3457
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000528957
Date	Nov 15, 2019
Instrument	2019-0528957

Lender

Name	ROYAL PACIFIC FUNDING CORP
Type	Funding / Finance Company
Address	COSTA MESA, CA 92626

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

September 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 27, 2018
Property Address	4236 ESPERANZA WAY, OCEANSIDE, CA 92056-3457
Document Number	0000402315
Map Reference	MAP 11525
Instrument Date	Sep 19, 2018
Instrument	2018-0402315
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	ORANGE COAST TITLE

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
Address	4236 ESPERANZA WAY, OCEANSIDE, CA 92056-3457

Mortgage

Document Number	0000402316
Date	Sep 27, 2018
Instrument	2018-0402316

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2048

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		$814,979 (+2%) Land $232,276 Building $582,703
2025	$9,077.00 (+29.21%)	$799,000 (+23.87%) Land $227,722 Building $571,278
2023	$7,025.00 (+0.24%)	$645,046 Land $183,844 Building $461,202
2022	$7,008.00

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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