San Diego County property record for 4645 Calle de Retiro, Oceanside, CA 92057
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 827 sqft · built 1980 |
| Lot Size | 0.86 acres (3,732 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $325,000 (Nov 2017) |
| Tax Bill | $4,106 (2025) |
| Deeds & Mortgages | Apr 2020 Mortgage Nov 2017 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 157-511-38-00 |
| Primary APN | 157-511-38-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 827 sqft Living Area |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Lot Area | 3,732 sqft (0.86 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 1 Parking Space |
| Old Parcel Number | 1574531400 |
|---|---|
| Street Address | 4645 CALLE DE RETIRO |
| City | OCEANSIDE |
| State | CA |
| Zip | 92057-5214 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RM-A |
| Legal Description | LOT 229 TR 009081 |
| Legal Subdivision | HERMOSA MANOR |
| Legal Tract | 009081 |
| Legal Block | 2 |
| Legal Lot Number | 229 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | OCEANSIDE-ESCONDIDO |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 18609 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 4645 CALLE DE RETIRO, OCEANSIDE, CA 92057-5214 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 1, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Nov 30, 2017 | Grant Deed, Transfer · FHA Mortgage HOME LNDG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 30, 2017 · Amount on Record |
| Deed Sale | Nov 30, 2017 · Amount on Record |
| Prior Sale | Dec 10, 2014 · Amount on Record |
| Deed Document Number | 2017557715 |
| Prior Transfer Date | Dec 1, 2014 |
| Prior Transfer Doc | 0000542906 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 4645 CALLE DE RETIRO, OCEANSIDE, CA 92057-5214 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 0000167921 |
|---|---|
| Date | Apr 1, 2020 |
| Instrument | 2020-0167921 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Nov 30, 2017 |
| Property Address | 4645 CALLE DE RETIRO, OCEANSIDE, CA 92057-5214 |
| Document Number | 0000557715 |
| Instrument Date | Nov 9, 2017 |
| Instrument | 557715 |
| Transaction Type | Transfer |
| Record Updated | Dec 5, 2017 |
| Title Company | LAWYERS TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $357.00 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4645 CALLE DE RETIRO OCEANSIDE CA 920575214, OCEANSIDE, CA 92057-5214 |
| Document Number | 557716 |
|---|---|
| Date | Nov 30, 2017 |
| Instrument | 557716 |
| Name | HOME LNDG |
|---|---|
| Address | FLOWOOD, MS 39232 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 29, 2047 |
Source: San Diego County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Municipality | Oceanside City |
| Unified School District | Oceanside Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $377,184 (+2%) Land $266,932 Building $110,252 | |
| 2025 | $4,106.00 (+5.26%) Homeowner's exemption | $369,790 (+4.04%) Land $261,699 Building $108,091 |
| 2023 | $3,901.00 (+1.59%) Homeowner's exemption | $355,433 Land $251,538 Building $103,895 |
| 2022 | $3,840.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
Source: FEMA National Flood Hazard Layer, effective September 3, 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 |
Values are read at the parcel center point; lenders make the official flood determination.
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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 1,133 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fixed Wireless in parts of the area | 100 / 20 |
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