4491 Goldfinch Way, Oceanside, CA 92057 Property Records

San Diego County property record for 4491 Goldfinch Way, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,436 sqft · built 1988
Lot Size	0.71 acres (3,109 sqft)
Owner	2 Individual Names on File
Last Sale	$435,000 (May 2017)
Tax Bill	$5,603 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`158-381-20-00`

Property Details

APN / Parcel Number

Primary APN	`158-381-20-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,436 sqft Living Area

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Lot Area	3,109 sqft (0.71 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	4491 GOLDFINCH WAY
City	OCEANSIDE
State	CA
Zip	92057-6641
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-A
Legal Description	LOT 20 TR 010298
Legal Subdivision	WILLIAMS RANCH
Legal Tract	010298
Legal Block	2
Legal Lot Number	20
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2000
Census Tract	18520

Owner

4491 Goldfinch Way is owned and occupied by two individuals who bought it in May 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	4491 GOLDFINCH WAY, OCEANSIDE, CA 92057-6641
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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
Aug 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 22, 2017	Quit Claim Deed Quitclaim
May 18, 2017	Grant Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 18, 2017 · Amount on File
Deed Sale	May 18, 2017 · Amount on File
Prior Sale	Dec 23, 2009 · Amount on File
Deed Document Number	2017224074
Prior Transfer Date	Mar 10, 2017
Prior Transfer Doc	0000130405
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4491 GOLDFINCH WAY, OCEANSIDE, CA 92057-6641
Transaction Type	Mortgage
Record Updated	Aug 23, 2021
Title Company	WESTERN RESOURCES TITLE, WESTERN RESOURCES TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4491 GOLDFINCH WAY, OCEANSIDE, CA 92057-6641

Mortgage

Document Number	0000572390
Date	Aug 11, 2021
Instrument	2021-0572390

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	356 Months
Due	Apr 1, 2051

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4491 GOLDFINCH WAY, OCEANSIDE, CA 92057-6641
Transaction Type	Mortgage
Record Updated	Apr 8, 2021
Title Company	WESTERN RESOURCES TITLE, WESTERN RESOURCES TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4491 GOLDFINCH WAY, OCEANSIDE, CA 92057-6641

Mortgage

Document Number	0000246585
Date	Mar 30, 2021
Instrument	2021-0246585

Lender

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

Agreement

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

March 2017: Quit Claim Deed

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 22, 2017
Property Address	4491 GOLDFINCH WAY, OCEANSIDE, CA 92057-6641
Document Number	0000130405
Instrument Date	Mar 20, 2017
Instrument	130405
Record Updated	Mar 28, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Partial Interest

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	124 5TH ST ENCINITAS CA 920243269, ENCINITAS, CA 92024-3269

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 18, 2017
Property Address	4491 GOLDFINCH WAY, OCEANSIDE, CA 92057-6641
Document Number	0000224074
Instrument Date	Mar 3, 2017
Instrument	224074
Transaction Type	Transfer
Record Updated	May 23, 2017
Title Company	WFG TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$478.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	8 CORAL SEA LAGUNA NIGUEL CA 926775946, LAGUNA NIGUEL, CA 92677-5946

Mortgage

Document Number	224075
Date	May 18, 2017
Instrument	224075

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 17, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 4491 Goldfinch Way was $5,603 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		$514,945 (+2%) Land $343,298 Building $171,647
2025	$5,603.00 Homeowner's exemption	$504,849 Land $336,567 Building $168,282
2023	$5,323.00 (+1.56%) Homeowner's exemption	$485,248 Land $323,499 Building $161,749
2022	$5,241.00

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

Flood

FEMA maps place 4491 Goldfinch Way 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 A99, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	2 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 4491 Goldfinch Way is low, with less than 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 97% of the US · lower than 97.8% of California
Wildfire Likelihood	Under 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 173 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
San Diego Broadband Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks.

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