San Diego County property record for 4528 Morro Bay St, Oceanside, CA 92057
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,710 sqft · built 1986 |
| Lot Size | 0.155 acres (6,751 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $225,000 (Dec 2000) |
| Tax Bill | $3,959 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage Dec 2017 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 157-631-38-00 |
| Primary APN | 157-631-38-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 1,710 sqft Living Area |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Lot Area | 6,751 sqft (0.155 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 3 Parking Spaces |
| Street Address | 4528 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 198 TR 010622 |
| Legal Subdivision | WHELAN RANCH |
| Legal Tract | 010622 |
| Legal Block | 1 |
| Legal Lot Number | 198 |
| 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 shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1177 CRYSTAL LN, EL CAJON, CA 92020-7812 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jul 20, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Dec 14, 2017 | Deed of Trust, Mortgage · Conventional Mortgage TITAN MUTUAL LNDG INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 18, 2000 · Amount on Record |
| Deed Sale | Dec 18, 2000 · Amount on Record |
| Prior Sale | May 29, 1992 · Amount on Record |
| Deed Document Number | 2000688906 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 4528 MORRO BAY ST, OCEANSIDE, CA 92057-4210 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1177 CRYSTAL LN, EL CAJON, CA 92020-7812 |
| Document Number | 0000516079 |
|---|---|
| Date | Jul 20, 2021 |
| Instrument | 2021-0516079 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Aug 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 4528 MORRO BAY ST, OCEANSIDE, CA 92057-4210 |
| Document Number | 0000593486 |
| Instrument Date | Dec 14, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 16, 2018 |
| Title Company | LAWYERS TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1177 CRYSTAL LN EL CAJON CA 920207812, EL CAJON, CA 92020-7812 |
| Document Number | 0000593486 |
|---|---|
| Date | Dec 19, 2017 |
| Instrument | 593486 |
| Name | TITAN MUTUAL LNDG INC |
|---|---|
| Address | TUSTIN, CA 92780 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Dec 18, 2032 |
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 | $345,797 (+2%) Land $103,734 Building $242,063 | |
| 2025 | $3,959.00 (+5.15%) | $339,017 (+4.04%) Land $101,700 Building $237,317 |
| 2023 | $3,765.00 (+1.54%) | $325,853 Land $97,751 Building $228,102 |
| 2022 | $3,708.00 |
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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