4597 Big Sur St, Oceanside, CA 92057 Property Records

San Diego County property record for 4597 Big Sur St, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,200 sqft · built 1985
Lot Size	0.238 acres (10,362 sqft)
Owner	2 Individual Names on Record
Last Sale	$450,000 (Sep 2015)
Tax Bill	$6,057 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Feb 2018 Line of Credit + 1 more
Flood Zone	Zone X (moderate risk)
APN	`157-632-10-00`

Property Details

APN / Parcel Number

Primary APN	`157-632-10-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,200 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Ranch
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	10,362 sqft (0.238 acres)
Garage Type	Attached
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	4597 BIG SUR ST
City	OCEANSIDE
State	CA
Zip	92057-4219
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 211 TR 010622
Legal Subdivision	WHELAN RANCH
Legal Tract	010622
Legal Block	1
Legal Lot Number	211
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 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 Record
Mailing Address	4597 BIG SUR ST, OCEANSIDE, CA 92057-4219
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2026	Deed of Trust, Mortgage · Line of Credit US BANK NA
Feb 28, 2018	Deed of Trust, Mortgage · Line of Credit US BANK NA
Nov 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2015 · Amount on Record
Deed Sale	Sep 30, 2015 · Amount on Record
Prior Sale	Jan 29, 2001 · Amount on Record
Deed Document Number	2015516087
Prior Transfer Date	Nov 6, 2002
Prior Transfer Doc	0001009045
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4597 BIG SUR ST, OCEANSIDE, CA 92057-4219
Transaction Type	Mortgage
Record Updated	Feb 3, 2026
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4597 BIG SUR ST, OCEANSIDE, CA 92057-4219

Mortgage

Document Number	0000021230
Date	Jan 26, 2026
Instrument	2026-0021230

Lender

Name	US BANK NA
Type	Bank
Address	HOPKINS, MN 55343

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Dec 28, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4597 BIG SUR ST, OCEANSIDE, CA 92057-4219
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000077044
Date	Feb 28, 2018
Instrument	2018-0077044

Lender

Name	US BANK NA
Type	Bank
Address	PORTLAND, OR 97204

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Feb 9, 2033

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4597 BIG SUR ST, OCEANSIDE, CA 92057-4219
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4597 BIG SUR ST, OCEANSIDE, CA 92057-4219

Mortgage

Document Number	0000717538
Date	Nov 16, 2020
Instrument	2020-0717538

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

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	Oceanside Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$543,351 (+2%) Land $161,700 Building $381,651
2025	$6,057.00 (+5.21%) Homeowner's exemption	$532,698 (+4.04%) Land $158,530 Building $374,168
2023	$5,757.00 (+1.57%) Homeowner's exemption	$512,015 Land $152,375 Building $359,640
2022	$5,668.00

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.

Nearby Properties on Big Sur St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures