4546 Big Sur St, Oceanside, CA 92057 Property Records

San Diego County property record for 4546 Big Sur St, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,645 sqft · built 1986
Lot Size	0.145 acres (6,305 sqft)
Owner	2 Individual Names on Record
Last Sale	$517,500 (Sep 2005)
Tax Bill	$7,987 (2025)
Deeds & Mortgages	Feb 2023 Line of Credit Jun 2020 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`157-631-45-00`

Property Details

APN / Parcel Number

Primary APN	`157-631-45-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,645 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Tile
Lot Area	6,305 sqft (0.145 acres)
Lot Dimensions	100 ft deep x 60 ft wide
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4546 BIG SUR ST
City	OCEANSIDE
State	CA
Zip	92057-4218
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 230 TR 010622
Legal Subdivision	WHELAN RANCH
Legal Tract	010622
Legal Block	1
Legal Lot Number	230
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1008
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	4546 BIG SUR ST, OCEANSIDE, CA 92057-4218
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2023	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jun 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONS HM FIN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 9, 2005 · Amount on Record
Deed Sale	Sep 9, 2005 · Amount on Record
Prior Sale	Oct 8, 2003 · Amount on Record
Deed Document Number	2005784199
Prior Transfer Date	Sep 11, 1995
Prior Transfer Doc	0000410752
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4546 BIG SUR ST, OCEANSIDE, CA 92057-4218
Transaction Type	Mortgage
Record Updated	Feb 24, 2023
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4546 BIG SUR ST, OCEANSIDE, CA 92057-4218

Mortgage

Document Number	0000040863
Date	Feb 16, 2023
Instrument	2023-0040863

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	357 Months
Due	Nov 8, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4546 BIG SUR ST, OCEANSIDE, CA 92057-4218
Document Number	0000336242
Instrument Date	Jun 22, 2020
Transaction Type	Mortgage
Record Updated	Jul 8, 2020
Title Company	TICOR TITLE SAN DIEGO BR

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4546 BIG SUR ST OCEANSIDE CA 920574218, OCEANSIDE, CA 92057-4218

Mortgage

Document Number	0000336242
Date	Jun 26, 2020
Instrument	336242

Lender

Name	FIRST NATIONS HM FIN
Type	Funding / Finance Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 25, 2050

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		$827,591 (+17.15%) Land $459,952 Building $367,639
2025	$7,987.00 (+1.97%) Homeowner's exemption	$706,463 (+4.04%) Land $450,934 Building $255,529
2024	$7,833.00 (+3.17%)
2023	$7,592.00 (+1.57%) Homeowner's exemption	$679,032 Land $433,425 Building $245,607
2022	$7,475.00

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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