4341 Saddlehorn Way, Oceanside, CA 92057 Property Records

San Diego County property record for 4341 Saddlehorn Way, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 3,146 sqft · built 2002
Lot Size	0.13 acres (5,673 sqft)
Owner	2 Individual Names on File
Last Sale	$640,000 (May 2018)
Tax Bill	$8,098 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit Jun 2022 Line of Credit + 4 more
Flood Zone	Zone X (moderate risk)
APN	`158-732-40-00`

Property Details

APN / Parcel Number

Primary APN	`158-732-40-00`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	3,146 sqft Living Area

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Lot Area	5,673 sqft (0.13 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	4341 SADDLEHORN WAY
City	OCEANSIDE
State	CA
Zip	92057-6506
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD-15
Legal Description	LOT 106 TR 014282
Legal Subdivision	RIVER RANCH NORTH
Legal Tract	014282
Legal Block	2
Legal Lot Number	106
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2005
Census Tract	18521

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	4341 SADDLEHORN WAY, OCEANSIDE, CA 92057-6506
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2024	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Jun 28, 2022	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Sep 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage SUN WEST MORTGAGE COMPANY INC
May 31, 2019	Deed of Trust, Mortgage · FHA Mortgage CROSSCOUNTRY MORTGAGE INC
Dec 4, 2020	Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB
May 10, 2018	Grant Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 10, 2018 · Amount on File
Deed Sale	May 10, 2018 · Amount on File
Prior Sale	Mar 7, 2003 · Amount on File
Deed Document Number	2018189028
Prior Transfer Date	Mar 14, 2008
Prior Transfer Doc	0000145571
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4341 SADDLEHORN WAY, OCEANSIDE, CA 92057-6506
Transaction Type	Mortgage
Record Updated	May 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4341 SADDLEHORN WAY, OCEANSIDE, CA 92057-6506

Mortgage

Document Number	0000099124
Date	Apr 22, 2024
Instrument	2024-0099124

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	CAMPBELL, CA 95008

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4341 SADDLEHORN WAY, OCEANSIDE, CA 92057-6506
Transaction Type	Mortgage
Record Updated	Jul 7, 2022
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4341 SADDLEHORN WAY, OCEANSIDE, CA 92057-6506

Mortgage

Document Number	0000265606
Date	Jun 28, 2022
Instrument	2022-0265606

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	BURLINGAME, CA 94010

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4341 SADDLEHORN WAY, OCEANSIDE, CA 92057-6506
Transaction Type	Mortgage
Record Updated	Sep 22, 2021
Title Company	WFT NATIONAL TITLE, WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4341 SADDLEHORN WAY, OCEANSIDE, CA 92057-6506

Mortgage

Document Number	0000649752
Date	Sep 14, 2021
Instrument	2021-0649752

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company
Address	BUENA PARK, CA 90620

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4341 SADDLEHORN WAY, OCEANSIDE, CA 92057-6506
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	BOSTON NATIONAL TTL AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000208388
Date	May 31, 2019
Instrument	2019-0208388

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

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

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4341 SADDLEHORN WAY, OCEANSIDE, CA 92057-6506
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4341 SADDLEHORN WAY, OCEANSIDE, CA 92057-6506

Mortgage

Document Number	0000777195
Date	Dec 4, 2020
Instrument	2020-0777195

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	JACKSONVILLE, FL 32202

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	342 Months
Due	Jun 1, 2049

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 10, 2018
Property Address	4341 SADDLEHORN WAY, OCEANSIDE, CA 92057-6506
Document Number	0000189028
Map Reference	MAP 14282
Instrument Date	May 4, 2018
Instrument	2018-0189028
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	STEWART TITLE OF CALIFORNIA

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	Community Property
Address	4341 SADDLEHORN WAY, OCEANSIDE, CA 92057-6506

Mortgage

Document Number	0000189029
Date	May 10, 2018
Instrument	2018-0189029

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2048

Tax Assessment & Valuation

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		$742,767 (+2%) Land $287,622 Building $455,145
2025	$8,098.00 (+5.22%) Homeowner's exemption	$728,204 (+4.04%) Land $281,983 Building $446,221
2023	$7,696.00 (+1.56%) Homeowner's exemption	$699,929 Land $271,034 Building $428,895
2022	$7,578.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 16 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	16 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

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 829 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
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks, T-Mobile, Verizon.

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