4548 Morro Bay St, Oceanside, CA 92057 Property Records

San Diego County property record for 4548 Morro Bay St, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,260 sqft · built 1985
Lot Size	0.148 acres (6,437 sqft)
Owner	2 Individual Names on Record
Last Sale	$150,000 (Dec 1998)
Tax Bill	$2,720 (2025)
Deeds & Mortgages	Jan 2023 Transfer Aug 2018 Second Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`157-632-02-00`

Property Details

APN / Parcel Number

Primary APN	`157-632-02-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,260 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Conventional
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	6,437 sqft (0.148 acres)
Lot Dimensions	60 ft deep x 105 ft wide
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4548 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 203 TR 010622
Legal Subdivision	WHELAN RANCH
Legal Tract	010622
Legal Block	1
Legal Lot Number	203
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	4548 MORRO BAY ST, OCEANSIDE, CA 92057-4210
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2023	Affidavit of Death of Joint Tenant, Transfer SOUTHLAND TITLE COMPANY, SOUTHLAND TITLE OF SAN DIEGO
Aug 29, 2018	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MISSION FCU
Aug 1, 2018	Quit Claim Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 31, 1998 · Amount on Record
Deed Sale	Dec 31, 1998 · Amount on Record
Prior Sale	Jul 31, 1984 · Amount on Record
Deed Document Number	1998864749
Last Transfer Date	Jan 24, 2023
Transfer Doc	0000025607
Record Updated	Sep 20, 2026

January 2023: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 31, 2023
Property Address	4548 MORRO BAY ST, OCEANSIDE, CA 92057-4210
Document Number	0000025607
Map Reference	MAP 10622
Instrument Date	Jan 31, 2023
Instrument	2023-0025607
Transaction Type	Transfer
Record Updated	Feb 8, 2023
Title Company	SOUTHLAND TITLE COMPANY, SOUTHLAND TITLE OF SAN DIEGO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4548 MORRO BAY ST, OCEANSIDE, CA 92057-4210

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4548 MORRO BAY ST, OCEANSIDE, CA 92057-4210
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	FIDELITY NATIONAL TITLE SAN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000355229
Date	Aug 29, 2018
Instrument	2018-0355229

Lender

Name	MISSION FCU
Type	Credit Union
Address	SAN DIEGO, CA 92191

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Sep 1, 2028

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 1, 2018
Property Address	4548 MORRO BAY ST, OCEANSIDE, CA 92057-4210
Document Number	0000315027
Instrument Date	Jul 25, 2018
Instrument	315027
Transaction Type	Transfer
Record Updated	Aug 7, 2018
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4548 MORRO BAY ST OCEANSIDE CA 920574210, OCEANSIDE, CA 92057-4210

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		$239,831 (+2%) Land $103,924 Building $135,907
2025	$2,720.00 (+2.22%) Homeowner's exemption	$235,130 (+4.04%) Land $101,887 Building $133,243
2023	$2,661.00 (+1.53%)	$226,002 Land $97,932 Building $128,070
2022	$2,621.00

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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