4536 Morro Bay St, Oceanside, CA 92057 Property Records

San Diego County property record for 4536 Morro Bay St, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,757 sqft · built 1986
Lot Size	0.145 acres (6,326 sqft)
Owner	2 Individual Names on Record
Last Sale	$525,000 (Dec 2017)
Tax Bill	$6,768 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Dec 2017 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`157-631-40-00`

Property Details

APN / Parcel Number

Primary APN	`157-631-40-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,757 sqft Living Area

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Lot Area	6,326 sqft (0.145 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	4536 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 200 TR 010622
Legal Subdivision	WHELAN RANCH
Legal Tract	010622
Legal Block	1
Legal Lot Number	200
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1009
Census Tract	18608

Owner

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	4536 MORRO BAY ST, OCEANSIDE, CA 92057-4210
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2020	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Dec 11, 2017	Grant Deed, Transfer · VA Mortgage HOMESTREET BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 11, 2017 · Amount on Record
Deed Sale	Dec 11, 2017 · Amount on Record
Prior Sale	Aug 29, 2014 · Amount on Record
Deed Document Number	2017575524
Prior Transfer Date	Sep 6, 2014
Prior Transfer Doc	0000484049
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4536 MORRO BAY ST, OCEANSIDE, CA 92057-4210
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000470251
Date	Aug 20, 2020
Instrument	2020-0470251

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 11, 2017
Property Address	4536 MORRO BAY ST, OCEANSIDE, CA 92057-4210
Document Number	0000575524
Map Reference	MAP10622
Instrument Date	Nov 30, 2017
Instrument	2017-0575524
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	4536 MORRO BAY ST, OCEANSIDE, CA 92057-4210

Mortgage

Document Number	0000575525
Date	Dec 11, 2017
Instrument	2017-0575525

Lender

Name	HOMESTREET BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 28, 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		$609,300 (+2%) Land $341,803 Building $267,497
2025	$6,768.00 (+5.22%) Homeowner's exemption	$597,353 (+4.04%) Land $335,101 Building $262,252
2023	$6,432.00 (+1.56%) Homeowner's exemption	$574,159 Land $322,090 Building $252,069
2022	$6,333.00

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 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

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

Wildfire Risk	Moderate above 51% of the US · lower than 70% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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 447 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
AT&T DSL	100 / 20

May also be available: T-Mobile.

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