4531 Ave Privado, Oceanside, CA 92057 Property Records

San Diego County property record for 4531 Ave Privado, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,044 sqft · built 1994
Lot Size	0.12 acres (5,228 sqft)
Owner	2 Individual Names on File
Last Sale	$633,500 (May 2020)
Tax Bill	$7,781 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit May 2020 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`160-610-49-00`

Property Details

APN / Parcel Number

Primary APN	`160-610-49-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,044 sqft Living Area

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Lot Area	5,228 sqft (0.12 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	4531 AVENIDA PRIVADO
City	OCEANSIDE
State	CA
Zip	92057-7736
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-A
Legal Description	LOT 49 TR 012724
Legal Subdivision	IVEY RANCH
Legal Tract	012724
Legal Block	1
Legal Lot Number	49
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1008
Census Tract	18524

Owner

Source: San Diego County assessment roll, as of July 21, 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 File
Mailing Address	4531 AVENIDA PRIVADO, OCEANSIDE, CA 92057-7736
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2022	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
May 15, 2020	Grant Deed, Transfer · VA Mortgage RESIDENTIAL WHOLESALE MORTGAGE INC
Aug 2, 2019	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Mar 6, 2018	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
Mar 23, 2017	Deed of Trust, Mortgage · VA Mortgage USAA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 15, 2020 · Amount on Record
Deed Sale	May 15, 2020 · Amount on Record
Prior Sale	Aug 2, 2019 · Amount on Record
Deed Document Number	20202020-0249244
Prior Transfer Date	Feb 23, 1993
Prior Transfer Doc	0000836076
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4531 AVENIDA PRIVADO, OCEANSIDE, CA 92057-7736
Transaction Type	Mortgage
Record Updated	Apr 27, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4531 AVENIDA PRIVADO, OCEANSIDE, CA 92057-7736

Mortgage

Document Number	0000171924
Date	Apr 20, 2022
Instrument	2022-0171924

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28277

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 19, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 15, 2020
Property Address	4531 AVENIDA PRIVADO, OCEANSIDE, CA 92057-7736
Document Number	0000249244
Map Reference	MAP 12724
Instrument Date	Apr 21, 2020
Instrument	2020-0249244
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	WFG NATIONAL TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4531 AVENIDA PRIVADO, OCEANSIDE, CA 92057-7736

Mortgage

Document Number	0000249245
Date	May 15, 2020
Instrument	2020-0249245

Lender

Name	RESIDENTIAL WHOLESALE MORTGAGE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jun 1, 2040

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 2, 2019
Property Address	4531 AVENIDA PRIVADO, OCEANSIDE, CA 92057-7736
Document Number	0000323150
Map Reference	MAP 12724
Instrument Date	Jul 9, 2019
Instrument	2019-0323150
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	TICOR TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4531 AVDNIDA PRIVADO, OCEANSIDE, CA 92057-7736

Mortgage

Document Number	0000323151
Date	Aug 2, 2019
Instrument	2019-0323151

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4531 AVENIDA PRIVADO, OCEANSIDE, CA 92057-7736
Document Number	0000273636
Instrument Date	Mar 6, 2018
Transaction Type	Mortgage
Record Updated	Jul 11, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4531 AVENIDA PRIVADO OCEANSIDE CA 920577736, OCEANSIDE, CA 92057-7736

Mortgage

Document Number	0000273636
Date	Jul 5, 2018
Instrument	273636

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jul 4, 2038

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4531 AVENIDA PRIVADO, OCEANSIDE, CA 92057-7736
Document Number	0000163204
Instrument Date	Mar 23, 2017
Transaction Type	Mortgage
Record Updated	Apr 18, 2017
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4531 AVENIDA PRIVADO OCEANSIDE CA 920577736, OCEANSIDE, CA 92057-7736

Mortgage

Document Number	0000163204
Date	Apr 12, 2017
Instrument	163204

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 11, 2047

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 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		$706,676 (+2%) Land $353,338 Building $353,338
2025	$7,781.00 (+5.19%)	$692,820 (+4.04%) Land $346,410 Building $346,410
2023	$7,397.00 (+1.52%)	$665,918 Land $332,959 Building $332,959
2022	$7,286.00

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

Flood

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	1 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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 623 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
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: California Internet.

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