San Diego County property record for 4504 Morro Bay St, Oceanside, CA 92057
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,454 sqft · built 1986 |
| Lot Size | 0.178 acres (7,754 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $820,000 (Nov 2022) |
| Tax Bill | $9,704 (2025) |
| Deeds & Mortgages | Nov 2022 Sale & Mortgage Sep 2020 Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 157-631-32-00 |
| Primary APN | 157-631-32-00 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,454 sqft Living Area |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Lot Area | 7,754 sqft (0.178 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 3 Parking Spaces |
| Street Address | 4504 MORRO BAY ST |
|---|---|
| City | OCEANSIDE |
| State | CA |
| Zip | 92057-4210 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS |
| Legal Description | LOT 192 TR 010622 |
| Legal Subdivision | WHELAN RANCH |
| Legal Tract | 010622 |
| Legal Block | 1 |
| Legal Lot Number | 192 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | OCEANSIDE-ESCONDIDO |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 18608 |
4504 Morro Bay St is owned and occupied by two individuals who bought it in November 2022.
Source: San Diego County records, as of July 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4504 MORRO BAY ST, OCEANSIDE, CA 92057-4210 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants in Common |
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 |
|---|---|
| Nov 14, 2022 | Grant Deed, Transfer · Commercial Mortgage UNION SAVINGS BANK |
| Sep 24, 2020 | Deed of Trust, Mortgage · VA Mortgage PLANET HOME LENDING LLC |
| Aug 26, 2019 | Deed of Trust, Mortgage · VA Mortgage PLANET HM LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 14, 2022 · Amount on File |
| Deed Sale | Nov 14, 2022 · Amount on File |
| Prior Sale | May 26, 2009 · Amount on File |
| Deed Document Number | 2022435838 |
| Prior Transfer Date | Jul 9, 2010 |
| Prior Transfer Doc | 0000372126 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Nov 14, 2022 |
| Property Address | 4504 MORRO BAY ST, OCEANSIDE, CA 92057-4210 |
| Document Number | 0000435838 |
| Map Reference | MAP 10622 |
| Instrument Date | Oct 19, 2022 |
| Instrument | 2022-0435838 |
| Transaction Type | Transfer |
| Record Updated | Nov 21, 2022 |
| Title Company | LAWYERS TITLE COMPANY/CA, LAWYERS 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 | Tenants in Common |
| Address | 4504 MORRO BAY ST, OCEANSIDE, CA 92057-4210 |
| Document Number | 0000435839 |
|---|---|
| Date | Nov 14, 2022 |
| Instrument | 2022-0435839 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 4504 MORRO BAY ST, OCEANSIDE, CA 92057-4210 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | PACIFIC COAST TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 4504 MORRO BAY ST, OCEANSIDE, CA 92057-4210 |
| Document Number | 0000565797 |
|---|---|
| Date | Sep 24, 2020 |
| Instrument | 2020-0565797 |
| Name | PLANET HOME LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | MERIDEN, CT 06450 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 4504 MORRO BAY ST, OCEANSIDE, CA 92057-4210 |
| Document Number | 0000422243 |
| Instrument Date | Aug 26, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 8, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4504 MORRO BAY ST OCEANSIDE CA 920574210, OCEANSIDE, CA 92057-4210 |
| Document Number | 0000422243 |
|---|---|
| Date | Sep 25, 2019 |
| Instrument | 422243 |
| Name | PLANET HM LNDG |
|---|---|
| Address | MERIDEN, CT 06450 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 24, 2049 |
The 2025 property tax bill for 4504 Morro Bay St was $9,704.
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 | $870,188 (+2%) Land $334,683 Building $535,505 | |
| 2025 | $9,704.00 | $853,126 Land $328,121 Building $525,005 |
| 2023 | $9,227.00 (+72.86%) | $820,000 Land $315,381 Building $504,619 |
| 2022 | $5,338.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 4504 Morro Bay St 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 | 9 in force |
| Nearby Flood Claims | 1 (2002) |
| Most Recent Claim | Dec 2002 · rainfall accumulation |
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 4504 Morro Bay St is moderate, ranking above 66% of the US, with a 0.4% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 66% of the US · above 40% of California |
|---|---|
| Wildfire Likelihood | 0.4% 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.
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 179 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 | 100 / 20 |
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