San Diego County property record for 4465 San Joaquin St, Oceanside, CA 92057
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2.5 ba · 2,274 sqft · built 1995 |
| Lot Size | 0.229 acres (9,987 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $1,050,000 (Mar 2024) |
| Tax Bill | $12,076 (2025) |
| Deeds & Mortgages | Sep 2026 Mortgage Feb 2026 Mortgage + 3 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 157-811-20-00 |
| Primary APN | 157-811-20-00 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 2,274 sqft Living Area |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Lot Area | 9,987 sqft (0.229 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 3 Parking Spaces |
| Street Address | 4465 SAN JOAQUIN ST |
|---|---|
| City | OCEANSIDE |
| State | CA |
| Zip | 92057-6026 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RE-B |
| Legal Description | LOT 119 TR 012343 |
| Legal Subdivision | RIVER MEADOW |
| Legal Tract | 012343 |
| Legal Block | 2 |
| Legal Lot Number | 119 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | OCEANSIDE-ESCONDIDO |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 18521 |
4465 San Joaquin St is owned by a company that bought it in March 2024.
Source: San Diego County records, as of September 18, 2026
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 4465 SAN JOAQUIN ST, OCEANSIDE, CA 92057-6026 |
| Owner Type | Company |
| Vesting | Life Tenant |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 11, 2026 | Grant Deed, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Feb 20, 2026 | Deed of Trust, Mortgage · Conventional Mortgage THE LOAN STORE INC |
| Mar 28, 2024 | Grant Deed, Transfer · Conventional Mortgage ARC HOME LLC |
| Aug 9, 2023 | Affidavit of Death of Joint Tenant, Transfer |
| Dec 20, 2023 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 28, 2024 · Amount on File |
| Deed Sale | Mar 28, 2024 · Amount on File |
| Prior Sale | Jul 31, 2003 · Amount on File |
| Deed Document Number | 202477890 |
| Prior Transfer Date | Aug 2, 2023 |
| Prior Transfer Doc | 0000215329 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Sep 11, 2026 |
| Property Address | 4465 SAN JOAQUIN ST, OCEANSIDE, CA 92057-6026 |
| Document Number | 0000266371 |
| Instrument Date | Aug 28, 2026 |
| Instrument | 2026266371 |
| Transaction Type | Transfer |
| Record Updated | Sep 18, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Tenant |
| Address | 4465 SAN JOAQUIN ST, OCEANSIDE, CA 92057-6026 |
| Document Number | 0000266372, |
|---|---|
| Date | Sep 11, 2026 |
| Instrument | 2026266372 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 4465 SAN JOAQUIN ST, OCEANSIDE, CA 92057-6026 |
| Transaction Type | Mortgage |
| Record Updated | Mar 2, 2026 |
| Name | Verified Name |
|---|---|
| Address | 4465 SAN JOAQUIN ST, OCEANSIDE, CA 92057-6026 |
| Document Number | 0000047318 |
|---|---|
| Date | Feb 20, 2026 |
| Instrument | 2026-0047318 |
| Name | THE LOAN STORE INC |
|---|---|
| Type | Mortgage Company |
| Address | TUCSON, AZ 85718 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Mar 28, 2024 |
| Property Address | 4465 SAN JOAQUIN ST, OCEANSIDE, CA 92057-6026 |
| Document Number | 0000077890 |
| Map Reference | MAP 12343 |
| Instrument Date | Mar 7, 2024 |
| Instrument | 2024-0077890 |
| Transaction Type | Transfer |
| Record Updated | Apr 11, 2024 |
| Title Company | INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 7926 PEACH POINT AVE, SAN DIEGO, CA 92126-2105 |
| Document Number | 0000077891 |
|---|---|
| Date | Mar 28, 2024 |
| Instrument | 2024-0077891 |
| Name | ARC HOME LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2054 |
| Document Type | Affidavit of Death of Joint Tenant |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Aug 9, 2023 |
| Property Address | 4465 SAN JOAQUIN ST, OCEANSIDE, CA 92057-6026 |
| Document Number | 0000215329 |
| Map Reference | MAP 12343 |
| Instrument Date | Aug 3, 2023 |
| Instrument | 2023-0215329 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4465 SAN JOAQUIN ST, OCEANSIDE, CA 92057-6026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Dec 20, 2023 |
| Property Address | 4465 SAN JOAQUIN ST, OCEANSIDE, CA 92057-6026 |
| Document Number | 0000349348 |
| Map Reference | MAP 12343 |
| Instrument Date | Jun 3, 2023 |
| Instrument | 2023-0349348 |
| Transaction Type | Transfer |
| Record Updated | Jan 1, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 4465 SAN JOAQUIN ST, OCEANSIDE, CA 92057-6026 |
The 2025 property tax bill for 4465 San Joaquin St was $12,076.
Source: San Diego County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Municipality | Oceanside City |
| Unified School District | Oceanside Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $1,092,420 (+2%) Land $832,320 Building $260,100 | |
| 2025 | $12,076.00 Homeowner's exemption | $1,071,000 Land $816,000 Building $255,000 |
| 2023 | $2,337.00 (+1.61%) Homeowner's exemption | $203,681 Land $51,106 Building $152,575 |
| 2022 | $2,300.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 4465 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 risk around 4465 San Joaquin St is low, with a 0.01% 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 | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 1,133 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 100 |
| San Diego Broadband Fixed Wireless | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fixed Wireless in parts of the area | 100 / 20 |
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