4560 Stratford Cir, Oceanside, CA 92056 Property Records

San Diego County property record for 4560 Stratford Cir, Oceanside, CA 92056

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,658 sqft · built 1979
Lot Size	0.252 acres (10,958 sqft)
Owner	2 Individual Names on File
Last Sale	$1,100,000 (Jun 2025)
Tax Bill	$8,719 (2025)
Deeds & Mortgages	Mar 2024 Transfer May 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`168-232-08-00`

Property Details

APN / Parcel Number

Primary APN	`168-232-08-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,658 sqft Living Area

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Lot Area	10,958 sqft (0.252 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	4560 STRATFORD CIR
City	OCEANSIDE
State	CA
Zip	92056-4905
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RE-B
Legal Description	LOT 8 TR 008915
Legal Subdivision	BROADMOOR-OCEANSIDE
Legal Tract	008915
Legal Block	1
Legal Lot Number	8
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1005
Census Tract	19809

Owner

4560 Stratford Cir is owned and occupied by two individuals who bought it in June 2025.

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

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

Owner of Record	2 Individual Names on File
Mailing Address	4560 STRATFORD CIR, OCEANSIDE, CA 92056-4905
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 28, 2024	Intrafamily Transfer, Transfer
May 3, 2022	Grant Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Oct 15, 2018	Deed of Trust, Mortgage · Line of Credit MISSION FCU
Jan 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage WATERMARK CAPITAL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 9, 2025 · Amount on File
Deed Sale	Jun 9, 2025 · Amount on File
Prior Sale	May 3, 2022 · Amount on File
Deed Document Number	2025152881
Prior Transfer Date	Mar 22, 2024
Prior Transfer Doc	0000077796
Record Updated	Sep 20, 2026

March 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 28, 2024
Property Address	4560 STRATFORD CIR, OCEANSIDE, CA 92056-4905
Document Number	0000077795
Map Reference	MAP 8915
Instrument Date	Mar 22, 2024
Instrument	2024-0077795
Transaction Type	Transfer
Record Updated	Apr 11, 2024

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	Community Property
Address	4560 STRATFORD CIR, OCEANSIDE, CA 92056-4905

May 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 3, 2022
Property Address	4560 STRATFORD CIR, OCEANSIDE, CA 92056-4905
Document Number	0000192167
Map Reference	MAP 8915
Instrument Date	Apr 8, 2022
Instrument	2022-0192167
Transaction Type	Transfer
Record Updated	May 11, 2022
Title Company	CORINTHIAN TITLE COMPANY

Transaction

Amount	Amount on Record
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
Relationship	Community Property with Right of Survivorship
Address	4560 STRATFORD CIR, OCEANSIDE, CA 92056-4905

Mortgage

Document Number	0000192168
Date	May 3, 2022
Instrument	2022-0192168

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2052

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4560 STRATFORD CIR, OCEANSIDE, CA 92056-4905
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000426044
Date	Oct 15, 2018
Instrument	2018-0426044

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Oct 31, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4560 STRATFORD CIR, OCEANSIDE, CA 92056-4905
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATL TTL ORANGE CNT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4560 STRATFORD CIR, OCEANSIDE, CA 92056-4905

Mortgage

Document Number	0000061602
Date	Jan 27, 2021
Instrument	2021-0061602

Lender

Name	WATERMARK CAPITAL INC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	Feb 1, 2031

Tax Assessment & Valuation

The 2025 property tax bill for 4560 Stratford Cir was $8,719.

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	Vista Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,121,999 (+45.85%) Land $401,461 Building $720,538
2025	$8,719.00 Homeowner's exemption	$769,268 Land $275,251 Building $494,017
2023	$7,158.00 (+148.89%) Homeowner's exemption	$659,000 Land $235,000 Building $424,000
2022	$2,876.00

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

Flood

FEMA maps place 4560 Stratford Cir in Zone X, an area of minimal flood risk.

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

Wildfire risk around 4560 Stratford Cir is low, with a 0.02% annual chance of 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

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	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.

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