4280 Black Duck Way, Oceanside, CA 92057 Property Records

San Diego County property record for 4280 Black Duck Way, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,092 sqft · built 1986
Lot Size	0.4 acres (1,736 sqft)
Owner	2 Trust Names on File
Last Sale	$490,000 (Feb 2024)
Tax Bill	$5,623 (2025)
Deeds & Mortgages	Feb 2024 Sale & Mortgage Apr 2017 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`160-501-12-00`

Property Details

APN / Parcel Number

Primary APN	`160-501-12-00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Building Area	1,092 sqft Living Area

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Conventional
Lot Area	1,736 sqft (0.4 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4280 BLACK DUCK WAY
City	OCEANSIDE
State	CA
Zip	92057-7502
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-A
Legal Description	LOT 348 TR 009952
Legal Subdivision	OCEANA MISSION
Legal Tract	009952
Legal Block	1
Legal Lot Number	348
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1001
Census Tract	18523

Owner

4280 Black Duck Way is held in a trust since February 2024.

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

Owner of Record	2 Trust Names on File
Mailing Address	1019 COSTA PACIFICA WAY, 110, OCEANSIDE, CA 92054-2190
Owner Type	Company
Vesting	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 16, 2024	Grant Deed, Transfer · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC
Apr 7, 2017	Deed of Trust, Mortgage · Line of Credit US BANK NA
Aug 9, 2019	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Nov 13, 2019	Deed of Trust, Mortgage · Line of Credit US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 16, 2024 · Amount on File
Deed Sale	Feb 16, 2024 · Amount on File
Prior Sale	Jan 7, 2010 · Amount on File
Deed Document Number	202440999
Prior Transfer Date	Dec 8, 2023
Prior Transfer Doc	0000344694
Record Updated	Sep 20, 2026

February 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 16, 2024
Property Address	4280 BLACK DUCK WAY, OCEANSIDE, CA 92057-7502
Document Number	0000040999
Map Reference	MAP 9952
Instrument Date	Feb 5, 2024
Instrument	2024-0040999
Transaction Type	Transfer
Record Updated	Feb 27, 2024
Title Company	FIRST AMERICAN TITLE

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	Family Trust
Address	1019 COSTA PACIFICA WAY # 110, 110, OCEANSIDE, CA 92054-2190

Mortgage

Document Number	0000041000
Date	Feb 16, 2024
Instrument	2024-0041000

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2054

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4280 BLACK DUCK WAY, OCEANSIDE, CA 92057-7502
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000157556
Date	Apr 7, 2017
Instrument	2017-0157556

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Mar 15, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4280 BLACK DUCK WAY, OCEANSIDE, CA 92057-7502
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000334563
Date	Aug 9, 2019
Instrument	2019-0334563

Lender

Name	US BANK NA
Type	Mortgage Company
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2049

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4280 BLACK DUCK WAY, OCEANSIDE, CA 92057-7502
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000522337
Date	Nov 13, 2019
Instrument	2019-0522337

Lender

Name	US BANK NA
Type	Bank
Address	OSHKOSH, WI 54902

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Oct 24, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 4280 Black Duck Way was $5,623.

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		$509,795 (+2%) Land $407,836 Building $101,959
2025	$5,623.00	$499,800 Land $399,840 Building $99,960
2023	$2,905.00 (+1.61%) Homeowner's exemption	$266,613 Land $82,643 Building $183,970
2022	$2,859.00

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

Flood

FEMA maps place 4280 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 4280 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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