4445 San Joaquin St, Oceanside, CA 92057 Property Records

San Diego County property record for 4445 San Joaquin St, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,274 sqft · built 1995
Lot Size	0.23 acres (10,013 sqft)
Owner	Individual Name on Record
Last Sale	$585,000 (Sep 2017)
Tax Bill	$5,650 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Dec 2022 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`157-810-33-00`

Property Details

APN / Parcel Number

Primary APN	`157-810-33-00`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,274 sqft Living Area

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Lot Area	10,013 sqft (0.23 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	4445 SAN JOAQUIN ST
City	OCEANSIDE
State	CA
Zip	92057-6024
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RE-B
Legal Description	LOT 110 TR 012343
Legal Subdivision	RIVER MEADOW
Legal Tract	012343
Legal Block	2
Legal Lot Number	110
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2014
Census Tract	18521

Owner

Source: San Diego County records, as of July 28, 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	4445 SAN JOAQUIN ST, OCEANSIDE, CA 92057-6024
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 5, 2026	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORPORATION
Dec 8, 2022	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Sep 18, 2017	Grant Deed, Transfer · VA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 18, 2017 · Amount on Record
Deed Sale	Sep 18, 2017 · Amount on Record
Prior Sale	Apr 30, 2002 · Amount on Record
Deed Document Number	2017427648
Prior Transfer Date	May 9, 1997
Prior Transfer Doc	0000375240
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 5, 2026
Property Address	4445 SAN JOAQUIN ST, OCEANSIDE, CA 92057-6024
Document Number	0000161560
Instrument Date	May 28, 2026
Instrument	2026161560
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust, 189
Address	4445 SAN JOAQUIN ST, OCEANSIDE, CA 92057-6024

Mortgage

Document Number	0000161560,
Date	Jun 5, 2026
Instrument	2026161560

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.3%
Max Rate	-1%

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4445 SAN JOAQUIN ST, OCEANSIDE, CA 92057-6024
Transaction Type	Mortgage
Record Updated	Dec 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4445 SAN JOAQUIN ST, OCEANSIDE, CA 92057-6024

Mortgage

Document Number	0000462717
Date	Dec 8, 2022
Instrument	2022-0462717

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Jan 1, 2052

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 18, 2017
Property Address	4445 SAN JOAQUIN ST, OCEANSIDE, CA 92057-6024
Document Number	0000427648
Instrument Date	Sep 15, 2017
Instrument	427648
Transaction Type	Transfer
Record Updated	Sep 22, 2017
Title Company	TICOR TITLE SAN DIEGO BR

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$643.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4445 SAN JOAQUIN ST OCEANSIDE CA 920576024, OCEANSIDE, CA 92057-6024

Mortgage

Document Number	427649
Date	Sep 18, 2017
Instrument	427649

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 17, 2047

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		$678,933 (+2%) Land $270,970 Building $407,963
2025	$5,650.00 (+3.57%)	$665,621 (+4.04%) Land $265,657 Building $399,964
2023	$5,455.00 (-0.09%)	$639,777 Land $255,343 Building $384,434
2022	$5,460.00

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 Record 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	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 477 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
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.

Nearby Properties on San Joaquin St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures