4264 Esperanza Way, Oceanside, CA 92056 Property Records

San Diego County property record for 4264 Esperanza Way, Oceanside, CA 92056

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 948 sqft · built 1990
Lot Size	0.73 acres (3,187 sqft)
Owner	Individual Name on Record
Last Sale	$220,000 (Sep 2012)
Tax Bill	$3,033 (2025)
Deeds & Mortgages	Aug 2019 Second Mortgage Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`162-550-02-00`

Property Details

APN / Parcel Number

Primary APN	`162-550-02-00`

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	3,187 sqft (0.73 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	4264 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 90 TR 011669
Legal Subdivision	OCEANSIDE CANYON
Legal Tract	011669
Legal Block	2
Legal Lot Number	90
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 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	4264 ESPERANZA WAY, OCEANSIDE, CA 92056-3457
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 7, 2019	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SAN DIEGO COUNTY CU
Jan 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 14, 2012 · Amount on Record
Deed Sale	Sep 14, 2012 · Amount on Record
Prior Sale	May 29, 2012 · Amount on Record
Deed Document Number	2012558073
Prior Transfer Date	May 18, 2012
Prior Transfer Doc	0000310766
Record Updated	Oct 29, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4264 ESPERANZA WAY, OCEANSIDE, CA 92056-3457
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000330799
Date	Aug 7, 2019
Instrument	2019-0330799

Lender

Name	SAN DIEGO COUNTY CU
Type	Bank
Address	SAN DIEGO, CA 92196

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2034

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4264 ESPERANZA WAY, OCEANSIDE, CA 92056-3457
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4264 ESPERANZA WAY, OCEANSIDE, CA 92056-3457

Mortgage

Document Number	0000017378
Date	Jan 11, 2021
Instrument	2021-0017378

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Oct 1, 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		$276,314 (+2%) Land $138,157 Building $138,157
2025	$3,033.00 (+8.75%) Homeowner's exemption	$270,898 (+4.04%) Land $135,449 Building $135,449
2023	$2,789.00 (+0.32%) Homeowner's exemption	$260,382 Land $130,191 Building $130,191
2022	$2,780.00

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.

Nearby Properties on Esperanza Way

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures