4546 Hancock Cir, Oceanside, CA 92056 Property Records

San Diego County property record for 4546 Hancock Cir, Oceanside, CA 92056

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,455 sqft · built 1979
Lot Size	0.261 acres (11,361 sqft)
Owner	2 Individual Names on File
Last Sale	$1,275,000 (Sep 2024)
Tax Bill	$14,506 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Sep 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`168-232-38-00`

Property Details

APN / Parcel Number

Primary APN	`168-232-38-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,455 sqft Living Area

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Lot Area	11,361 sqft (0.261 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	4546 HANCOCK CIR
City	OCEANSIDE
State	CA
Zip	92056-4906
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RE-B
Legal Description	LOT 38 TR 008915
Legal Subdivision	BROADMOOR-LA JOLLA VILLAGE
Legal Tract	008915
Legal Block	1
Legal Lot Number	38
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1005
Census Tract	19809

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	4546 HANCOCK CIR, OCEANSIDE, CA 92056-4906
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2025	Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT SAVINGS BANK FSB
Sep 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 17, 2024 · Amount on Record
Deed Sale	Sep 17, 2024 · Amount on Record
Prior Sale	Jan 28, 2005 · Amount on Record
Deed Document Number	2024250992
Prior Transfer Date	Oct 31, 2003
Prior Transfer Doc	0001420218
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4546 HANCOCK CIR, OCEANSIDE, CA 92056-4906
Transaction Type	Mortgage
Record Updated	Oct 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4546 HANCOCK CIR, OCEANSIDE, CA 92056-4906

Mortgage

Document Number	0000293489
Date	Oct 21, 2025
Instrument	2025-0293489

Lender

Name	PROVIDENT SAVINGS BANK FSB
Type	Bank
Address	RIVERSIDE, CA 92506

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.12%
Type Change Date	Nov 1, 2030
Change Frequency	6 Months
Min Rate At Change	4.12%
Max Rate At Change	8.12%
Index	SOFR Average 30-Day
Max Rate	11.1%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4546 HANCOCK CIR, OCEANSIDE, CA 92056-4906
Transaction Type	Mortgage
Record Updated	Oct 6, 2021
Title Company	TITLE RESOURCES GUARANTY COMPANY, TITLE RESOURCES GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2727 SPOKANE WAY, CARLSBAD, CA 92010-2188

Mortgage

Document Number	0000680989
Date	Sep 28, 2021
Instrument	2021-0680989

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

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	Vista Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,300,500 (+2%) Land $810,900 Building $489,600
2025	$14,506.00 (+58.43%)	$1,275,000 (+52.28%) Land $795,000 Building $480,000
2023	$9,156.00 (+0.24%)	$837,297 Land $502,378 Building $334,919
2022	$9,134.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	VISTA IRRIGATION DISTRICT serves 134,501 people · EPA ID CA3710027
Water Source	Surface water
Last State Inspection	Nov 2023
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 735 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

May also be available: T-Mobile USA.

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