San Diego County property record for 4280 Esperanza Way, Oceanside, CA 92056
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,539 sqft · built 1990 |
| Lot Size | 0.7 acres (3,066 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $247,500 (Apr 2011) |
| Tax Bill | $3,626 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage Apr 2019 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 162-550-06-00 |
| Primary APN | 162-550-06-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,539 sqft Living Area |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Lot Area | 3,066 sqft (0.7 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 4280 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 94 TR 011669 |
| Legal Subdivision | OCEANSIDE CANYON |
| Legal Tract | 011669 |
| Legal Block | 2 |
| Legal Lot Number | 94 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | OCEANSIDE-ESCONDIDO |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 19403 |
Source: San Diego County records · APN 162-550-06-00
Assessment roll updated July 21, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 1320 SEACOAST DR, K, IMPERIAL BEACH, CA 91932-3165 |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
| Date | Document |
|---|---|
| Feb 20, 2026 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Apr 12, 2019 | Affidavit of Death, Transfer ATTORNEY ONLY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 07, 2011 · Amount on Record |
| Deed Sale | Apr 07, 2011 · Amount on Record |
| Prior Sale | Jun 24, 2010 · Amount on Record |
| Deed Document Number | 2011180647 |
| Last Transfer Date | Jun 12, 2025 |
| Transfer Doc | 0000157566 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 4280 ESPERANZA WAY, OCEANSIDE, CA 92056-3457 |
| Transaction Type | Mortgage |
| Record Updated | Mar 02, 2026 |
| Title Company | LAWYERS TITLE |
| Name | Verified Name |
|---|---|
| Address | 1320 SEACOAST DR K, K, IMPERIAL BEACH, CA 91932-3165 |
| Document Number | 0000047665 |
|---|---|
| Date | Feb 20, 2026 |
| Instrument | 2026-0047665 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28277 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2056 |
| Document Type | Affidavit of Death |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Apr 12, 2019 |
| Property Address | 4280 ESPERANZA WAY, OCEANSIDE, CA 92056-3457 |
| Document Number | 0000131576 |
| Instrument Date | Apr 08, 2019 |
| Instrument | 131576 |
| Transaction Type | Transfer |
| Record Updated | Apr 19, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2916 FAIRFIELD ST SAN DIEGO CA 921102215, SAN DIEGO, CA 92110-2215 |
Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Municipality | Oceanside City |
| Unified School District | Vista Unified School District (KG - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $322,766 (+2%) Land $148,967 Building $173,799 | |
| 2025 | $3,626.00 (+8.63%) | $316,439 (+4.04%) Land $146,047 Building $170,392 |
| 2023 | $3,338.00 (+0.24%) | $304,153 Land $140,377 Building $163,776 |
| 2022 | $3,330.00 |
Source: FEMA National Flood Hazard Layer as of September 3, 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable · Fiber in parts of the area | 2,000 / 100 |
| Starlink Satellite | 280 / 30 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
May also be available: Generate-Ubiquity Holdings, Verizon.
Based on FCC filings for 554 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF OCEANSIDE serves 174,340 people |
|---|---|
| Water Source | Purchased surface water from several systems |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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