4261 Esperanza Way, Oceanside, CA 92056 Property Records

San Diego County property record for 4261 Esperanza Way, Oceanside, CA 92056

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,227 sqft · built 1990
Lot Size	0.69 acres (3,020 sqft)
Owner	Individual Name on Record
Last Sale	$475,000 (Feb 2020)
Tax Bill	$5,920 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Feb 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`162-550-25-00`

Property Details

APN / Parcel Number

Primary APN	`162-550-25-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,227 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Stucco
Roof Material	Composition Shingle
Lot Area	3,020 sqft (0.69 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4261 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 103 TR 011669
Legal Subdivision	OCEANSIDE CANYON
Legal Tract	011669
Legal Block	2
Legal Lot Number	103
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 28, 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	7719 TREVINO LN, FALLS CHURCH, VA 22043-3506
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 5, 2020	Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK
Feb 10, 2020	Grant Deed, Transfer · VA Mortgage FRANKLIN LN CTR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 10, 2020 · Amount on Record
Deed Sale	Feb 10, 2020 · Amount on Record
Prior Sale	Jan 28, 2013 · Amount on Record
Deed Document Number	202067946
Prior Transfer Date	May 22, 2009
Prior Transfer Doc	0000280209
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4261 ESPERANZA WAY, OCEANSIDE, CA 92056-3458
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4261 ESPERANZA WAY, OCEANSIDE, CA 92056-3458

Mortgage

Document Number	0000691211
Date	Nov 5, 2020
Instrument	2020-0691211

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60607

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

February 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 10, 2020
Property Address	4261 ESPERANZA WAY, OCEANSIDE, CA 92056-3458
Document Number	0000067946
Instrument Date	Jan 28, 2020
Instrument	67946
Transaction Type	Transfer
Record Updated	Feb 21, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$523.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4261 ESPERANZA WAY OCEANSIDE CA 920563458, OCEANSIDE, CA 92056-3458

Mortgage

Document Number	67947
Date	Feb 10, 2020
Instrument	67947

Lender

Name	FRANKLIN LN CTR
Type	Funding / Finance Company
Address	PALM DESERT, CA 92260

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 9, 2050

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		$529,865 (+2%) Land $345,808 Building $184,057
2025	$5,920.00 (+8.64%)	$519,477 (+4.04%) Land $339,028 Building $180,449
2023	$5,449.00 (+0.26%)	$499,307 Land $325,864 Building $173,443
2022	$5,435.00

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 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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