San Diego County property record for 4281 Esperanza Way, Oceanside, CA 92056
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,227 sqft · built 1990 |
| Lot Size | 0.122 acres (5,304 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $640,000 (Dec 2021) |
| Tax Bill | $7,724 (2025) |
| Deeds & Mortgages | Dec 2021 Sale & Mortgage Aug 2021 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 162-550-21-00 |
| Primary APN | 162-550-21-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,227 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Conventional |
| Exterior Material | Stucco |
| Roof Material | Composition Shingle |
| Lot Area | 5,304 sqft (0.122 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 4281 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 107 TR 011669 |
| Legal Subdivision | OCEANSIDE CANYON |
| Legal Tract | 011669 |
| Legal Block | 2 |
| Legal Lot Number | 107 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | OCEANSIDE-ESCONDIDO |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 19403 |
4281 Esperanza Way is owned and occupied by two individuals who bought it in December 2021.
Source: San Diego County records, as of July 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4281 ESPERANZA WAY, OCEANSIDE, CA 92056-3458 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 7, 2021 | Grant Deed, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Aug 18, 2021 | Grant Deed, Transfer ZILLOW CLOSING & ESCROW SVCS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 7, 2021 · Amount on File |
| Deed Sale | Dec 7, 2021 · Amount on File |
| Prior Sale | Aug 18, 2021 · Amount on File |
| Deed Document Number | 2021827789 |
| Prior Transfer Date | Apr 16, 2001 |
| Prior Transfer Doc | 0000281985 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Dec 7, 2021 |
| Property Address | 4281 ESPERANZA WAY, OCEANSIDE, CA 92056-3458 |
| Document Number | 0000827789 |
| Map Reference | MAP 11669 |
| Instrument Date | Dec 2, 2021 |
| Instrument | 2021-0827789 |
| Transaction Type | Transfer |
| Record Updated | Jul 25, 2022 |
| Title Company | ZILLOW CLOSING SERVICES LLC, ZILLOW CLOSINGS SVCS WEST IN |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 4281 ESPERANZA WAY, OCEANSIDE, CA 92056-3458 |
| Document Number | 0000827790 |
|---|---|
| Date | Dec 7, 2021 |
| Instrument | 2021-0827790 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Aug 18, 2021 |
| Property Address | 4281 ESPERANZA WAY, OCEANSIDE, CA 92056-3458 |
| Document Number | 0000589923 |
| Map Reference | MAP 11669 |
| Instrument Date | Aug 13, 2021 |
| Instrument | 2021-0589923 |
| Transaction Type | Transfer |
| Record Updated | Jul 25, 2022 |
| Title Company | ZILLOW CLOSING & ESCROW SVCS |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1301 2ND AVE FL 31, 31, SEATTLE, WA 98101-0003 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 4281 Esperanza Way was $7,724.
Source: San Diego County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Municipality | Oceanside City |
| Unified School District | Vista Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $692,752 (+2%) Land $521,112 Building $171,640 | |
| 2025 | $7,724.00 | $679,170 Land $510,895 Building $168,275 |
| 2023 | $7,109.00 (+0.25%) | $652,799 Land $491,057 Building $161,742 |
| 2022 | $7,091.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 4281 Esperanza Way in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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.
The area around 4281 Esperanza Way has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
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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