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4651 Calle de Retiro, Oceanside, CA 92057 Property Records

San Diego County property record for 4651 Calle de Retiro, Oceanside, CA 92057

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 827 sqft · built 1981
Lot Size0.115 acres (5,026 sqft)
Owner2 Individual Names on Record
Last Sale$84,000 (May 1994)
Tax Bill$2,598 (2025)
Deeds & MortgagesFeb 2026 Mortgage
Jun 2023 Mortgage
Flood ZoneZone X (moderate risk)
APN157-511-35-00

Property Details

APN / Parcel Number

Primary APN157-511-35-00

Interior

Bedrooms2 Beds
Full Baths1 Bath
Building Area827 sqft Living Area

Exterior

Year BuiltBuilt 1981
Effective Year BuiltEffective 1981
Lot Area5,026 sqft (0.115 acres)
Garage TypeCarport
CarportCarport
Parking Spaces1 Parking Space

Location & Zoning

Street Address4651 CALLE DE RETIRO
CityOCEANSIDE
StateCA
Zip92057-5214
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRM-A
Legal DescriptionLOT 369 TR 009529
Legal SubdivisionHERMOSA MANOR
Legal Tract009529
Legal Block2
Legal Lot Number369
JurisdictionSAN DIEGO CA
Township / Civil DivisionOCEANSIDE-ESCONDIDO
Census Block Group2
Census Block2000
Census Tract18609

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 Record2 Individual Names on Record
Mailing Address4651 CALLE DE RETIRO, OCEANSIDE, CA 92057-5214
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Feb 10, 2026Deed of Trust, Mortgage · Conventional Mortgage
POINT MORTGAGE CORP
Jun 29, 2023Intrafamily Transfer, Transfer · Conventional Mortgage
MISSION LOANS LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 20, 1994 · Amount on Record
Deed SaleMay 20, 1994 · Amount on Record
Deed Document Number1994336557
Last Transfer DateJun 8, 2023
Transfer Doc0000170320
Record UpdatedSep 20, 2026

February 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address4651 CALLE DE RETIRO, OCEANSIDE, CA 92057-5214
Transaction TypeMortgage
Record UpdatedFeb 19, 2026
Title CompanyTICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

NameVerified Name
Address4651 CALLE DE RETIRO, OCEANSIDE, CA 92057-5214

Mortgage

Document Number0000036894
DateFeb 10, 2026
Instrument2026-0036894
Lender
NamePOINT MORTGAGE CORP
TypeMortgage Company
AddressCHULA VISTA, CA 91910
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMar 1, 2056

June 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSAN DIEGO CA
Recording DateJun 29, 2023
Property Address4651 CALLE DE RETIRO, OCEANSIDE, CA 92057-5214
Document Number0000170320
Map ReferenceMAP 9529
Instrument DateJun 8, 2023
Instrument2023-0170320
Transaction TypeTransfer
Record UpdatedJul 10, 2023
Title CompanyCORINTHIAN TITLE-SD, CORINTHIAN TITLE

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address4661 CALLE DE RETIRO, OCEANSIDE, CA 92057-5214

Mortgage

Document Number0000170321
DateJun 29, 2023
Instrument2023-0170321
Lender
NameMISSION LOANS LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJul 1, 2053

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 28, 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySan Diego County
MunicipalityOceanside City
Unified School DistrictOceanside Unified School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed Value
2026$239,556 (+2%) Land $147,615 Building $91,941
2025$2,598.00 (+2.08%) Homeowner's exemption$234,860 (+4%) Land $144,721 Building $90,139
2023$2,545.00 (+1.52%)$225,832 (+2%) Land $139,123 Building $86,709
2022$2,507.00$221,405 Land $136,396 Building $85,009

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

FEMA Flood ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · lower than 88% of California
Wildfire Likelihood0.02% annual chance
ExposureNone
beyond 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 SystemCITY OF OCEANSIDE
serves 174,340 people · EPA ID CA3710014
Water SourcePurchased surface water from several systems
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 1,133 locations within half a mile, as of December 31, 2025

ProviderMax 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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