San Diego County property record for 4517 Morro Bay St, Oceanside, CA 92057
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,645 sqft · built 1986 |
| Lot Size | 0.132 acres (5,746 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $375,000 (Jun 2013) |
| Tax Bill | $6,823 (2025) |
| Deeds & Mortgages | Jan 2022 Line of Credit Feb 2021 Mortgage + 2 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 157-631-79-00 |
| Primary APN | 157-631-79-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,645 sqft Living Area |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Lot Area | 5,746 sqft (0.132 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 4517 MORRO BAY ST |
|---|---|
| City | OCEANSIDE |
| State | CA |
| Zip | 92057-4211 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS |
| Legal Description | LOT 266 TR 010622 |
| Legal Subdivision | WHELAN RANCH |
| Legal Tract | 010622 |
| Legal Block | 1 |
| Legal Lot Number | 266 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | OCEANSIDE-ESCONDIDO |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 18608 |
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 | 4517 MORRO BAY ST, OCEANSIDE, CA 92057-4211 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 5, 2022 | Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST |
| Feb 11, 2021 | Deed of Trust, Mortgage · Conventional Mortgage JMAC LENDING INC |
| Jul 15, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Apr 14, 2017 | Quit Claim Deed, Transfer FIDELITY NATIONAL TITLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 11, 2013 · Amount on Record |
| Deed Sale | Jun 11, 2013 · Amount on Record |
| Prior Sale | Dec 11, 2001 · Amount on Record |
| Deed Document Number | 2013364908 |
| Last Transfer Date | Jul 2, 2020 |
| Transfer Doc | 0000377556 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 4517 MORRO BAY ST, OCEANSIDE, CA 92057-4211 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2022 |
| Name | Verified Name |
|---|---|
| Address | 4517 MORRO BAY ST, OCEANSIDE, CA 92057-4211 |
| Document Number | 0000006851 |
|---|---|
| Date | Jan 5, 2022 |
| Instrument | 2022-0006851 |
| Name | BANK OF THE WEST |
|---|---|
| Type | Bank |
| Address | OMAHA, NE 68154 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 4517 MORRO BAY ST, OCEANSIDE, CA 92057-4211 |
| Transaction Type | Mortgage |
| Record Updated | Feb 23, 2021 |
| Title Company | WFT NATIONAL TITLE, WFG NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 4517 MORRO BAY ST, OCEANSIDE, CA 92057-4211 |
| Document Number | 0000106843 |
|---|---|
| Date | Feb 11, 2021 |
| Instrument | 2021-0106843 |
| Name | JMAC LENDING INC |
|---|---|
| Type | Mortgage Company |
| Address | SANTA ANA, CA 92705 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Jul 15, 2020 |
| Property Address | 4517 MORRO BAY ST, OCEANSIDE, CA 92057-4211 |
| Document Number | 0000377556 |
| Instrument Date | Jul 2, 2020 |
| Instrument | 377556 |
| Transaction Type | Transfer |
| Record Updated | Jul 24, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4517 MORRO BAY ST OCEANSIDE CA 920574211, OCEANSIDE, CA 92057-4211 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Apr 14, 2017 |
| Property Address | 4517 MORRO BAY ST, OCEANSIDE, CA 92057-4211 |
| Document Number | 0000169313 |
| Instrument Date | Mar 30, 2017 |
| Instrument | 169313 |
| Transaction Type | Transfer |
| Record Updated | Apr 20, 2017 |
| Title Company | FIDELITY NATIONAL TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 348 FALLINGSTAR IRVINE CA 926147569, IRVINE, CA 92614-7569 |
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 | $607,241 (+2%) Land $386,427 Building $220,814 | |
| 2025 | $6,823.00 (+5.16%) | $595,335 (+4.04%) Land $378,850 Building $216,485 |
| 2023 | $6,488.00 (+1.53%) | $572,220 Land $364,140 Building $208,080 |
| 2022 | $6,390.00 |
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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