4424 Pt Vicente, Oceanside, CA 92058 Property Records

San Diego County property record for 4424 Pt Vicente, Oceanside, CA 92058

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,260 sqft · built 1984
Lot Size	0.147 acres (6,400 sqft)
Owner	2 Individual Names on File
Last Sale	$385,000 (Jul 2014)
Tax Bill	$5,144 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit Aug 2021 Mortgage + 4 more
Flood Zone	Zone X (moderate risk)
APN	`157-491-50-00`

Property Details

APN / Parcel Number

Primary APN	`157-491-50-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,260 sqft Living Area

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Lot Area	6,400 sqft (0.147 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	4424 POINT VICENTE
City	OCEANSIDE
State	CA
Zip	92058-6926
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 93 TR 009384
Legal Subdivision	WHELAN RANCH
Legal Tract	009384
Legal Block	2
Legal Lot Number	93
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2001
Census Tract	18608

Owner

4424 Pt Vicente is owned and occupied by two individuals who bought it in July 2014.

Source: San Diego County records, as of October 19, 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	4424 POINT VICENTE, OCEANSIDE, CA 92058-6926
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 10, 2022	Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC
Aug 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 30, 2017	Deed of Trust, Mortgage · FHA Mortgage DITECH FINANCIAL LLC
Oct 8, 2018	Deed of Trust, Mortgage · Line of Credit COMPASS BANK
Dec 28, 2020	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Jan 15, 2020	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2014 · Amount on File
Deed Sale	Jul 1, 2014 · Amount on File
Prior Sale	Jan 23, 1998 · Amount on File
Deed Document Number	2014274586
Prior Transfer Date	Jul 24, 2003
Prior Transfer Doc	0000934359
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4424 POINT VICENTE, OCEANSIDE, CA 92058-6926
Transaction Type	Mortgage
Record Updated	Jun 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4424 POINT VICENTE, OCEANSIDE, CA 92058-6926

Mortgage

Document Number	0000244727
Date	Jun 10, 2022
Instrument	2022-0244727

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	FLINT, MI 48501

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 3, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4424 POINT VICENTE, OCEANSIDE, CA 92058-6926
Transaction Type	Mortgage
Record Updated	Aug 11, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4424 POINT VICENTE, OCEANSIDE, CA 92058-6926

Mortgage

Document Number	0000548643
Date	Aug 2, 2021
Instrument	2021-0548643

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4424 POINT VICENTE, OCEANSIDE, CA 92058-6926
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NORTH AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000504147
Date	Oct 30, 2017
Instrument	2017-0504147

Lender

Name	DITECH FINANCIAL LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2047

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4424 POINT VICENTE, OCEANSIDE, CA 92058-6926
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000417611
Date	Oct 8, 2018
Instrument	2018-0417611

Lender

Name	COMPASS BANK
Type	Bank
Address	MURRIETA, CA 92562

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Sep 18, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4424 POINT VICENTE, OCEANSIDE, CA 92058-6926
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4424 POINT VICENTE, OCEANSIDE, CA 92058-6926

Mortgage

Document Number	0000837610
Date	Dec 28, 2020
Instrument	2020-0837610

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4424 POINT VICENTE, OCEANSIDE, CA 92058-6926
Document Number	0000041174
Instrument Date	Jan 15, 2020
Transaction Type	Mortgage
Record Updated	Feb 14, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4424 POINT VICENTE OCEANSIDE CA 920586926, OCEANSIDE, CA 92058-6926

Mortgage

Document Number	0000041174
Date	Jan 27, 2020
Instrument	41174

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 26, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 4424 Pt Vicente was $5,144 with a homeowner's exemption.

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		$471,952 (+2%) Land $159,797 Building $312,155
2025	$5,144.00 Homeowner's exemption	$462,699 Land $156,664 Building $306,035
2023	$4,888.00 (+1.58%) Homeowner's exemption	$444,734 Land $150,582 Building $294,152
2022	$4,812.00

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

Flood

FEMA maps place 4424 Pt Vicente in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AH, within 500 ft
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 4424 Pt Vicente is moderate, ranking above 68% of the US, with a 0.3% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 68% of the US · above 43% of California
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 523 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: San Diego Broadband, T-Mobile.

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