4277 Black Duck Way, Oceanside, CA 92057 Property Records

San Diego County property record for 4277 Black Duck Way, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,056 sqft · built 1986
Lot Size	0.4 acres (1,736 sqft)
Owner	2 Trust Names on File
Last Sale	$345,000 (May 2019)
Tax Bill	$4,260 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Oct 2023 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`160-501-28-00`

Property Details

APN / Parcel Number

Primary APN	`160-501-28-00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,056 sqft Living Area

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Lot Area	1,736 sqft (0.4 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	4277 BLACK DUCK WAY
City	OCEANSIDE
State	CA
Zip	92057-7503
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-A
Legal Description	LOT 364 TR 009952
Legal Subdivision	OCEANA MISSION
Legal Tract	009952
Legal Block	1
Legal Lot Number	364
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1001
Census Tract	18523

Owner

4277 Black Duck Way is owner-occupied and held in a trust since May 2019.

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

Owner of Record	2 Trust Names on File
Mailing Address	4277 BLACK DUCK WAY, OCEANSIDE, CA 92057-7503
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Feb 2, 2026	Deed of Trust, Mortgage · Line of Credit PENTAGON FCU
Oct 17, 2023	Deed of Trust, Mortgage · Closed-End Mortgage NEWREZ LLC
Feb 15, 2022	Deed of Trust, Mortgage · Line of Credit PENTAGON FCU
Mar 30, 2017	Deed of Trust, Mortgage · Conventional Mortgage HOMESTREET BANK
Mar 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage TITAN MUTUAL LENDING INC
May 31, 2019	Grant Deed, Transfer · Conventional Mortgage PENTAGON FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 2019 · Amount on File
Deed Sale	May 31, 2019 · Amount on File
Prior Sale	May 5, 2011 · Amount on File
Deed Document Number	2019210038
Prior Transfer Date	Aug 1, 2012
Prior Transfer Doc	0000463017
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4277 BLACK DUCK WAY, OCEANSIDE, CA 92057-7503
Transaction Type	Mortgage
Record Updated	Feb 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4277 BLACK DUCK WAY, OCEANSIDE, CA 92057-7503

Mortgage

Document Number	0000027876
Date	Feb 2, 2026
Instrument	2026-0027876

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	MC LEAN, VA 22102

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 13, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4277 BLACK DUCK WAY, OCEANSIDE, CA 92057-7503
Transaction Type	Mortgage
Record Updated	Oct 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4277 BLACK DUCK WAY, OCEANSIDE, CA 92057-7503

Mortgage

Document Number	0000283210
Date	Oct 17, 2023
Instrument	2023-0283210

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4277 BLACK DUCK WAY, OCEANSIDE, CA 92057-7503
Transaction Type	Mortgage
Record Updated	Feb 24, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4277 BLACK DUCK WAY, OCEANSIDE, CA 92057-7503

Mortgage

Document Number	0000069151
Date	Feb 15, 2022
Instrument	2022-0069151

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	MC LEAN, VA 22102

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 26, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4277 BLACK DUCK WAY, OCEANSIDE, CA 92057-7503
Transaction Type	Mortgage
Record Updated	Jun 21, 2021
Title Company	TICOR TITLE SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000144210
Date	Mar 30, 2017
Instrument	2017-0144210

Lender

Name	HOMESTREET BANK
Type	Bank
Address	SEATTLE, WA 98101

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2047

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4277 BLACK DUCK WAY, OCEANSIDE, CA 92057-7503
Transaction Type	Mortgage
Record Updated	Jun 21, 2021
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4277 BLACK DUCK WAY, OCEANSIDE, CA 92057-7503

Mortgage

Document Number	0000172763
Date	Mar 5, 2021
Instrument	2021-0172763

Lender

Name	TITAN MUTUAL LENDING INC
Type	Mortgage Company
Address	IRVINE, CA 92602

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 31, 2019
Property Address	4277 BLACK DUCK WAY, OCEANSIDE, CA 92057-7503
Document Number	0000210038
Map Reference	MAP 9952
Instrument Date	May 20, 2019
Instrument	2019-0210038
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
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	4277 BLACK DUCK WAY, OCEANSIDE, CA 92057-7503

Mortgage

Document Number	0000210039
Date	May 31, 2019
Instrument	2019-0210039

Lender

Name	PENTAGON FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 4277 Black Duck Way was $4,260.

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	Oceanside Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$392,545 (+2%) Land $131,717 Building $260,828
2025	$4,260.00	$384,849 Land $129,135 Building $255,714
2023	$4,047.00 (+1.58%) Homeowner's exemption	$369,906 Land $124,121 Building $245,785
2022	$3,984.00

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

Flood

FEMA maps place 4277 Black Duck Way in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 3, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 4277 Black Duck Way is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.8% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 378 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100

May also be available: AT&T, GeoLinks, Verizon.

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