4251 Esperanza Way, Oceanside, CA 92056 Property Records

San Diego County property record for 4251 Esperanza Way, Oceanside, CA 92056

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 948 sqft · built 1990
Lot Size	0.77 acres (3,366 sqft)
Owner	Individual Name on File
Last Sale	$422,000 (Jun 2006)
Tax Bill	$6,486 (2025)
Deeds & Mortgages	Jan 2017 Mortgage Apr 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`162-531-52-00`

Property Details

APN / Parcel Number

Primary APN	`162-531-52-00`

Interior

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

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Lot Area	3,366 sqft (0.77 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	4251 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 77 TR 011525
Legal Subdivision	OCEANSIDE CANYON
Legal Tract	011525
Legal Block	2
Legal Lot Number	77
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2004
Census Tract	19403

Owner

4251 Esperanza Way is owned and occupied by an individual who bought it in June 2006.

Source: San Diego County records, as of July 28, 2026

Owner of Record	Individual Name on File
Mailing Address	4251 ESPERANZA WAY, OCEANSIDE, CA 92056-3458
Occupancy	Owner Occupied
Owner Type	Individual

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
Jan 19, 2017	Deed of Trust, Mortgage · FHA Mortgage SIERRA PACIFIC MORTGAGE CO INC
Apr 16, 2018	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMMET ESOP CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 5, 2006 · Amount on File
Deed Sale	Jun 5, 2006 · Amount on File
Prior Sale	Jul 12, 2004 · Amount on File
Deed Document Number	2006395661
Prior Transfer Date	Mar 18, 1994
Prior Transfer Doc	0000212961
Record Updated	Oct 29, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4251 ESPERANZA WAY, OCEANSIDE, CA 92056-3458
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029320
Date	Jan 19, 2017
Instrument	2017-0029320

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company
Address	FOLSOM, CA 95630

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2047

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4251 ESPERANZA WAY, OCEANSIDE, CA 92056-3458
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000150530
Date	Apr 16, 2018
Instrument	2018-0150530

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2048

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4251 ESPERANZA WAY, OCEANSIDE, CA 92056-3458
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000298500
Date	Jun 10, 2020
Instrument	2020-0298500

Lender

Name	AMMET ESOP CORP
Type	Non-Lending Institution
Address	SAN MARCOS, CA 92078

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 4251 Esperanza Way was $6,486 with a homeowner's exemption.

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		$588,180 (+2%) Land $418,139 Building $170,041
2025	$6,486.00 Homeowner's exemption	$576,648 Land $409,941 Building $166,707
2023	$5,968.00 (+0.29%) Homeowner's exemption	$554,258 Land $394,023 Building $160,235
2022	$5,951.00

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

Flood

FEMA maps place 4251 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.

Wildfire

The area around 4251 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.

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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