4428 San Joaquin St, Oceanside, CA 92057 Property Records

San Diego County property record for 4428 San Joaquin St, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,931 sqft · built 1995
Lot Size	0.263 acres (11,443 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,464 (2025)
Deeds & Mortgages	May 2020 Mortgage Feb 2017 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`157-810-51-00`

Property Details

APN / Parcel Number

Primary APN	`157-810-51-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,931 sqft Living Area

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Lot Area	11,443 sqft (0.263 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	4428 SAN JOAQUIN ST
City	OCEANSIDE
State	CA
Zip	92057-6023
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RE-B
Legal Description	LOT 162 TR 012343
Legal Subdivision	RIVER MEADOW
Legal Tract	012343
Legal Block	2
Legal Lot Number	162
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2013
Census Tract	18521

Owner

4428 San Joaquin St is owned by two individuals who acquired it in August 2011.

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

Owner of Record	2 Individual Names on File
Mailing Address	3787 SARAH ANN DR, FALLBROOK, CA 92028-9056
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.

Deeds, Mortgages & Sale History

Date	Document
May 20, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage COMMERCE HOME MORTGAGE LLC
Feb 27, 2017	Deed of Trust, Mortgage · Conventional Mortgage BANC HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 29, 2011
Deed Sale	Aug 29, 2011
Prior Sale	Dec 8, 2000 · Amount on File
Deed Document Number	2011443687
Prior Transfer Date	Nov 3, 2000
Prior Transfer Doc	0000669440
Record Updated	Oct 29, 2026

May 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	May 20, 2020
Property Address	4428 SAN JOAQUIN ST, OCEANSIDE, CA 92057-6023
Document Number	0000254946
Map Reference	MAP 12343
Instrument Date	May 15, 2020
Instrument	2020-0254946
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	WFG NATIONAL TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3787 SARAH ANN DR, FALLBROOK, CA 92028-9056

Mortgage

Document Number	0000254947
Date	May 20, 2020
Instrument	2020-0254947

Lender

Name	COMMERCE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4428 SAN JOAQUIN ST, OCEANSIDE, CA 92057-6023
Document Number	0000099832
Instrument Date	Feb 27, 2017
Transaction Type	Mortgage
Record Updated	Mar 8, 2017
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3787 SARAH ANN DR FALLBROOK CA 920289056, FALLBROOK, CA 92028-9056

Mortgage

Document Number	0000099832
Date	Mar 3, 2017
Instrument	99832

Lender

Name	BANC HM LNS
Type	Bank
Address	IRVINE, CA 92612

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 2, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 4428 San Joaquin St was $4,464.

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		$391,907 (+2%) Land $97,228 Building $294,679
2025	$4,464.00	$384,223 Land $95,322 Building $288,901
2023	$4,245.00 (+1.53%)	$369,305 Land $91,621 Building $277,684
2022	$4,181.00

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

Flood

FEMA maps place 4428 San Joaquin St in Zone X, an area of moderate flood risk.

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

Wildfire risk around 4428 San Joaquin St is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect 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 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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