4282 Esperanza Way, Oceanside, CA 92056 Property Records

San Diego County property record for 4282 Esperanza Way, Oceanside, CA 92056

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,486 sqft · built 1990
Lot Size	0.6 acres (2,628 sqft)
Owner	Individual Name on Record
Last Sale	$270,000 (Jan 2013)
Tax Bill	$1,827 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Mar 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`162-550-07-00`

Property Details

APN / Parcel Number

Primary APN	`162-550-07-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	1,486 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Conventional
Lot Area	2,628 sqft (0.6 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	4282 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 95 TR 011669
Legal Subdivision	OCEANSIDE CANYON
Legal Tract	011669
Legal Block	2
Legal Lot Number	95
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 22, 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	4282 ESPERANZA WAY, OCEANSIDE, CA 92056-3457
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 9, 2022	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Mar 2, 2018	Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK
Apr 3, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 4, 2013 · Amount on Record
Deed Sale	Jan 4, 2013 · Amount on Record
Prior Sale	Mar 27, 2009 · Amount on Record
Deed Document Number	20139610
Prior Transfer Date	Jan 18, 2006
Prior Transfer Doc	0000064950
Record Updated	Sep 20, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4282 ESPERANZA WAY, OCEANSIDE, CA 92056-3457
Transaction Type	Mortgage
Record Updated	Feb 17, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4282 ESPERANZA WAY, OCEANSIDE, CA 92056-3457

Mortgage

Document Number	0000061686
Date	Feb 9, 2022
Instrument	2022-0061686

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2052

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4282 ESPERANZA WAY, OCEANSIDE, CA 92056-3457
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000082251
Date	Mar 2, 2018
Instrument	2018-0082251

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60607

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2048

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4282 ESPERANZA WAY, OCEANSIDE, CA 92056-3457
Document Number	0000180628
Instrument Date	Apr 3, 2020
Transaction Type	Mortgage
Record Updated	Apr 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4282 ESPERANZA WAY OCEANSIDE CA 920563457, OCEANSIDE, CA 92056-3457

Mortgage

Document Number	0000180628
Date	Apr 9, 2020
Instrument	180628

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 8, 2050

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 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		$339,120 (+2%) Land $199,484 Building $139,636
2025	$1,827.00 (+3.63%)	$332,472 (+4.04%) Land $195,573 Building $136,899
2023	$1,763.00 (-4.44%)	$319,564 Land $187,980 Building $131,584
2022	$1,845.00

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.

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