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4541 Morro Bay St, Oceanside, CA 92057 Property Records

San Diego County property record for 4541 Morro Bay St, Oceanside, CA 92057 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,269 sqft · built 1986
Lot Size0.143 acres (6,237 sqft)
Owner2 Individual Names on File
Last Sale$530,000 (Mar 2019)
Tax Bill$11,275 (2025)
Deeds & MortgagesFeb 2020 Mortgage
Mar 2019 Transfer
+ 3 more
Flood ZoneZone X (moderate risk)
APN157-632-27-00

Property Details

APN / Parcel Number

Primary APN157-632-27-00

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms5 Rooms
Stories1 Story
Building Area1,269 sqft Living Area
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1986
Effective Year BuiltEffective 1986
Architectural StyleContemporary
Exterior MaterialStucco
Construction TypeFrame
Roof MaterialTile
Lot Area6,237 sqft (0.143 acres)
Garage TypeCarport
CarportCarport
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address4541 MORRO BAY ST
CityOCEANSIDE
StateCA
Zip92057-4212
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 241 TR 010622
Legal SubdivisionWHELAN RANCH
Legal Tract010622
Legal Block1
Legal Lot Number241
JurisdictionSAN DIEGO CA
Township / Civil DivisionOCEANSIDE-ESCONDIDO
Census Block Group1
Census Block1008
Census Tract18608

Owner

Source: San Diego County records · APN 157-632-27-00

Assessment roll updated July 21, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address4541 MORRO BAY ST, OCEANSIDE, CA 92057-4212
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Feb 27, 2020Deed of Trust, Mortgage · FHA Mortgage
GOLD STAR MORTGAGE FINANCIAL GROUP CORP
Mar 18, 2019Quit Claim Deed, Transfer
STEWART TITLE, STEWART TITLE/CA
Mar 18, 2019Grant Deed, Transfer · FHA Mortgage
GOLD STAR MORTGAGE FINANCIAL GROUP
Aug 10, 2018Quit Claim Deed, Transfer
FIDELITY NATIONAL TITLE
Aug 08, 2018Grant Deed, Transfer
FIDELITY NATIONAL TITLE SAN DIEGO

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMar 18, 2019 · Amount on Record
Deed SaleMar 18, 2019 · Amount on Record
Prior SaleAug 08, 2018 · Amount on Record
Deed Document Number201996215
Prior Transfer DateFeb 27, 2019
Prior Transfer Doc0000096214
Record UpdatedSep 20, 2026

February 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address4541 MORRO BAY ST, OCEANSIDE, CA 92057-4212
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyOLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000100887
DateFeb 27, 2020
Instrument2020-0100887
Lender
NameGOLD STAR MORTGAGE FINANCIAL GROUP CORP
TypeMortgage Company
AddressANN ARBOR, MI 48108
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueMar 01, 2050

March 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSAN DIEGO CA
Recording DateMar 18, 2019
Property Address4541 MORRO BAY ST, OCEANSIDE, CA 92057-4212
Document Number0000096214
Instrument DateFeb 27, 2019
Instrument96214
Transaction TypeTransfer
Record UpdatedMar 26, 2019
Title CompanySTEWART TITLE, STEWART TITLE/CA

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipSeparate Estate/Property
Address4541 MORRO BAY ST OCEANSIDE CA 920574212, OCEANSIDE, CA 92057-4212

March 2019: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSAN DIEGO CA
Recording DateMar 18, 2019
Property Address4541 MORRO BAY ST, OCEANSIDE, CA 92057-4212
Document Number0000096215
Map ReferenceMAP 10622
Instrument DateFeb 20, 2019
Instrument2019-0096215
Transaction TypeTransfer
Record UpdatedAug 24, 2021
Title CompanySTEWART TITLE OF CA INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address4511 MORRO BAY ST, OCEANSIDE, CA 92057-4211

Mortgage

Document Number0000096216
DateMar 18, 2019
Instrument2019-0096216
Lender
NameGOLD STAR MORTGAGE FINANCIAL GROUP
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2049

August 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSAN DIEGO CA
Recording DateAug 10, 2018
Property Address4541 MORRO BAY ST, OCEANSIDE, CA 92057-4212
Document Number0000328309
Instrument DateAug 09, 2018
Instrument328309
Transaction TypeTransfer
Record UpdatedAug 16, 2018
Title CompanyFIDELITY NATIONAL TITLE

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants in Common
Address4541 MORRO BAY ST OCEANSIDE CA 920574212, OCEANSIDE, CA 92057-4212

August 2018: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSAN DIEGO CA
Recording DateAug 08, 2018
Property Address4541 MORRO BAY ST, OCEANSIDE, CA 92057-4212
Document Number0000325416
Instrument DateJun 08, 2018
Instrument325416
Transaction TypeTransfer
Record UpdatedAug 15, 2018
Title CompanyFIDELITY NATIONAL TITLE SAN DIEGO

Transaction

AmountAmount Recorded
Tax$495.00
Amount AccuracyFull Value
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4526 CORONADO DR OCEANSIDE CA 920574251, OCEANSIDE, CA 92057-4251

Tax Assessment & Valuation

Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySan Diego County
MunicipalityOceanside City
Unified School DistrictOceanside Unified School District (KG - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed Value
2026$603,042 (+2%) Land $375,228 Building $227,814
2025$11,275.00 (+3.03%) Homeowner's exemption$591,219 (+4.04%) Land $367,871 Building $223,348
2023$10,943.00 (+0.9%) Homeowner's exemption$568,263 Land $353,587 Building $214,676
2022$10,845.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, San Diego County (06073C), updated September 3, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060730186081, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardModerate
500-Year FloodplainYes
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies9 in force
Nearby Flood Claims1 (2002)
Most Recent ClaimDec 2002, rainfall accumulation

Wildfire

Wildfire RiskModerate
above 51% of the US · above 30% of California
Wildfire LikelihoodAbout 1 in 671 per year
ExposureIndirect
within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 447 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Cox CommunicationsCable2,000 / 100
San Diego BroadbandFixed Wireless (unlicensed)500 / 100
VerizonFixed Wireless300 / 20
AT&TDSL100 / 20

May also be available at this address: T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.

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