4557 Big Sur St, Oceanside, CA 92057 Property Records

San Diego County property record for 4557 Big Sur St, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,269 sqft · built 1987
Lot Size	0.158 acres (6,898 sqft)
Owner	Trust Name on File
Last Sale	$485,000 (Jun 2018)
Tax Bill	$4,390 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Jun 2023 Transfer + 3 more
Flood Zone	Zone X (moderate risk)
APN	`157-631-01-00`

Property Details

APN / Parcel Number

Primary APN	`157-631-01-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,269 sqft Living Area

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Lot Area	6,898 sqft (0.158 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	4557 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 161 TR 010622
Legal Subdivision	WHELAN RANCH
Legal Tract	010622
Legal Block	1
Legal Lot Number	161
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1000
Census Tract	18608

Owner

4557 Big Sur St is owner-occupied and held in a trust since May 2023.

Source: San Diego County records, as of July 28, 2026

Owner of Record	Trust Name on File
Mailing Address	4557 BIG SUR ST, OCEANSIDE, CA 92057-4217
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 3, 2026	Deed of Trust, Mortgage · Conventional Mortgage NAVY FEDERAL CREDIT UNION
Jun 1, 2023	Intrafamily Transfer, Transfer
Sep 8, 2020	Deed of Trust, Mortgage · VA Mortgage NETWORK CAPITAL FUNDING CORP
Jun 15, 2018	Grant Deed, Transfer · VA Mortgage CALIBER HM LOANS
May 5, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 15, 2018 · Amount on File
Deed Sale	Jun 15, 2018 · Amount on File
Prior Sale	Nov 25, 2014 · Amount on File
Deed Document Number	2018244637
Last Transfer Date	May 31, 2023
Transfer Doc	0000143561
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 3, 2026
Property Address	4557 BIG SUR ST, OCEANSIDE, CA 92057-4217
Document Number	0000092196
Instrument Date	Mar 27, 2026
Instrument	202692196
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	POST SETTLEMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant, 269
Address	4557 BIG SUR ST, OCEANSIDE, CA 92057-4217

Mortgage

Document Number	0000092196,
Date	Apr 3, 2026
Instrument	202692196

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Apr 1, 2036

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

June 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 1, 2023
Property Address	4557 BIG SUR ST, OCEANSIDE, CA 92057-4217
Document Number	0000143561
Map Reference	MAP 10622
Instrument Date	May 31, 2023
Instrument	2023-0143561
Transaction Type	Transfer
Record Updated	Jun 12, 2023

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
Relationship	Living Trust
Address	4557 BIG SUR ST, OCEANSIDE, CA 92057-4217

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4557 BIG SUR ST, OCEANSIDE, CA 92057-4217
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	UNISOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4557 BIG SUR ST, OCEANSIDE, CA 92057-4217

Mortgage

Document Number	0000518701
Date	Sep 8, 2020
Instrument	2020-0518701

Lender

Name	NETWORK CAPITAL FUNDING CORP
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Aug 1, 2050

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 15, 2018
Property Address	4557 BIG SUR ST, OCEANSIDE, CA 92057-4217
Document Number	0000244637
Instrument Date	May 23, 2018
Instrument	244637
Transaction Type	Transfer
Record Updated	Jun 21, 2018
Title Company	EQUITY TITLE COMPANY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$533.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4557 BIG SUR ST OCEANSIDE CA 920574217, OCEANSIDE, CA 92057-4217

Mortgage

Document Number	244638
Date	Jun 15, 2018
Instrument	244638

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 14, 2048

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 5, 2017
Property Address	4557 BIG SUR ST, OCEANSIDE, CA 92057-4217
Document Number	0000203769
Instrument Date	Apr 20, 2017
Instrument	203769
Transaction Type	Transfer
Record Updated	May 15, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4557 BIG SUR ST OCEANSIDE CA 920574217, OCEANSIDE, CA 92057-4217

Tax Assessment & Valuation

The 2025 property tax bill for 4557 Big Sur St was $4,390 with a veteran's exemption, up 1.4% from the year before.

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		$562,877 (+2%) Land $383,781 Building $179,096
2025	$4,390.00 (+1.39%) Veteran's exemption	$551,841 Land $376,256 Building $175,585
2024	$4,330.00 (+1.71%)
2023	$4,257.00 (-0.54%)	$530,415 Land $361,647 Building $168,768
2022	$4,280.00

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

Flood

FEMA maps place 4557 Big Sur St in Zone X, an area of moderate flood risk, though there have been 1 flood claim nearby since 2002.

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

Wildfire risk around 4557 Big Sur St is moderate, ranking above 51% of the US, with a 0.1% annual chance of 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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