4545 Big Sur St, Oceanside, CA 92057 Property Records

San Diego County property record for 4545 Big Sur St, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,645 sqft · built 1987
Lot Size	0.154 acres (6,691 sqft)
Owner	Individual Name on Record
Last Sale	$595,500 (Jun 2020)
Tax Bill	$5,501 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Jun 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`157-631-04-00`

Property Details

APN / Parcel Number

Primary APN	`157-631-04-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,645 sqft Living Area

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Lot Area	6,691 sqft (0.154 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	4545 BIG SUR ST
City	OCEANSIDE
State	CA
Zip	92057-4217
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 164 TR 010622
Legal Subdivision	WHELAN RANCH
Legal Tract	010622
Legal Block	1
Legal Lot Number	164
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1000
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	Individual Name on Record
Mailing Address	4545 BIG SUR ST, OCEANSIDE, CA 92057-4217
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 8, 2021	Deed of Trust, Mortgage · VA Mortgage CALIBER HOME LOANS INC
Jun 24, 2020	Grant Deed, Transfer · VA Mortgage LOANDEPOT.COM LLC
Aug 8, 2017	Grant Deed, Transfer · FHA Mortgage NETWORK CAPITAL FUNDING CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 24, 2020 · Amount on Record
Deed Sale	Jun 24, 2020 · Amount on Record
Prior Sale	Aug 8, 2017 · Amount on Record
Deed Document Number	2020329399
Prior Transfer Date	Aug 11, 2016
Prior Transfer Doc	0000429535
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4545 BIG SUR ST, OCEANSIDE, CA 92057-4217
Transaction Type	Mortgage
Record Updated	Mar 17, 2021
Title Company	CORINTHIAN TITLE-SD, CORINTHIAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4545 BIG SUR ST, OCEANSIDE, CA 92057-4217

Mortgage

Document Number	0000179988
Date	Mar 8, 2021
Instrument	2021-0179988

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 24, 2020
Property Address	4545 BIG SUR ST, OCEANSIDE, CA 92057-4217
Document Number	0000329399
Instrument Date	May 12, 2020
Instrument	329399
Transaction Type	Transfer
Record Updated	Jul 2, 2020
Title Company	TICOR TITLE SAN DIEGO BR

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$655.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4545 BIG SUR ST OCEANSIDE CA 920574217, OCEANSIDE, CA 92057-4217

Mortgage

Document Number	329400
Date	Jun 24, 2020
Instrument	329400

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 23, 2050

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 8, 2017
Property Address	4545 BIG SUR ST, OCEANSIDE, CA 92057-4217
Document Number	0000358302
Map Reference	MAP10622
Instrument Date	Jul 12, 2017
Instrument	2017-0358302
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	TICOR TITLE CO SAN DIEGO

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
Address	4545 BIG SUR ST, OCEANSIDE, CA 92057-4217

Mortgage

Document Number	0000358303
Date	Aug 8, 2017
Instrument	2017-0358303

Lender

Name	NETWORK CAPITAL FUNDING CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2047

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		$664,286 (+2%) Land $139,789 Building $524,497
2025	$5,501.00 (+3.54%)	$651,262 (+4.04%) Land $137,049 Building $514,213
2023	$5,313.00 (-0.15%)	$625,975 Land $131,728 Building $494,247
2022	$5,321.00

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
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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