San Diego County property record for 4516 Morro Bay St, Oceanside, CA 92057
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,710 sqft · built 1986 |
| Lot Size | 0.153 acres (6,662 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $805,000 (Jun 2021) |
| Tax Bill | $9,829 (2025) |
| Deeds & Mortgages | Jun 2021 Sale & Mortgage Aug 2020 Mortgage + 3 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 157-631-35-00 |
| Primary APN | 157-631-35-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,710 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Bungalow |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Material | Tile |
| Lot Area | 6,662 sqft (0.153 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 3 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 4516 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 195 TR 010622 |
| Legal Subdivision | WHELAN RANCH |
| Legal Tract | 010622 |
| Legal Block | 1 |
| Legal Lot Number | 195 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | OCEANSIDE-ESCONDIDO |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 18608 |
Source: San Diego County records, as of July 28, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 4516 MORRO BAY ST, OCEANSIDE, CA 92057-4210 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 30, 2021 | Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Aug 28, 2020 | Deed of Trust, Mortgage · VA Mortgage CALIBER HOME LOANS INC |
| Nov 15, 2019 | Deed of Trust, Mortgage · VA Mortgage CALIBER HM LOANS |
| Mar 27, 2018 | Grant Deed, Transfer · VA Mortgage CALIBER HM LOANS |
| Oct 26, 2017 | Grant Deed, Transfer CORINTHIAN TITLE COMPANY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 30, 2021 · Amount on Record |
| Deed Sale | Jun 30, 2021 · Amount on Record |
| Prior Sale | Mar 27, 2018 · Amount on Record |
| Deed Document Number | 2021475230 |
| Prior Transfer Date | Jul 11, 2014 |
| Prior Transfer Doc | 0000303534 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Jun 30, 2021 |
| Property Address | 4516 MORRO BAY ST, OCEANSIDE, CA 92057-4210 |
| Document Number | 0000475230 |
| Map Reference | MAP 10622 |
| Instrument Date | Jun 11, 2021 |
| Instrument | 2021-0475230 |
| Transaction Type | Transfer |
| Record Updated | Jul 8, 2021 |
| Title Company | TICOR TITLE COMPANY/CA, TICOR TITLE COMPANY SD |
| Amount | Amount Recorded |
|---|---|
| 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 | Community Property with Right of Survivorship |
| Address | 4516 MORRO BAY ST, OCEANSIDE, CA 92057-4210 |
| Document Number | 0000475231 |
|---|---|
| Date | Jun 30, 2021 |
| Instrument | 2021-0475231 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 4516 MORRO BAY ST, OCEANSIDE, CA 92057-4210 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 4516 MORRO BAY ST, OCEANSIDE, CA 92057-4210 |
| Document Number | 0000494784 |
|---|---|
| Date | Aug 28, 2020 |
| Instrument | 2020-0494784 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 4516 MORRO BAY ST, OCEANSIDE, CA 92057-4210 |
| Document Number | 0000556895 |
| Instrument Date | Nov 15, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2019 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS |
| Name | Verified Name |
|---|---|
| Address | 4516 MORRO BAY ST OCEANSIDE CA 920574210, OCEANSIDE, CA 92057-4210 |
| Document Number | 0000556895 |
|---|---|
| Date | Dec 2, 2019 |
| Instrument | 556895 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVINE, CA 92614 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Mar 27, 2018 |
| Property Address | 4516 MORRO BAY ST, OCEANSIDE, CA 92057-4210 |
| Document Number | 0000121525 |
| Instrument Date | Mar 7, 2018 |
| Instrument | 121525 |
| Transaction Type | Transfer |
| Record Updated | Apr 4, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $623.70 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4516 MORRO BAY ST OCEANSIDE CA 920574210, OCEANSIDE, CA 92057-4210 |
| Document Number | 121526 |
|---|---|
| Date | Mar 27, 2018 |
| Instrument | 121526 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVING, TX 75063 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 26, 2048 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Oct 26, 2017 |
| Property Address | 4516 MORRO BAY ST, OCEANSIDE, CA 92057-4210 |
| Document Number | 0000498890 |
| Instrument Date | Oct 2, 2017 |
| Instrument | 498890 |
| Transaction Type | Transfer |
| Record Updated | Oct 31, 2017 |
| Title Company | CORINTHIAN TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Tax | $495.00 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Partnership |
| Address | 4934 BELLA COLLINA ST OCEANSIDE CA 920561913, OCEANSIDE, CA 92056-1913 |
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 | $888,781 (+2%) Land $533,273 Building $355,508 | |
| 2025 | $9,829.00 (+5.19%) Homeowner's exemption | $871,355 (+4.04%) Land $522,817 Building $348,538 |
| 2023 | $9,344.00 (+1.55%) Homeowner's exemption | $837,520 Land $502,516 Building $335,004 |
| 2022 | $9,201.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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.
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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