4845 Stephanie Pl, Oceanside, CA 92057 Property Records

San Diego County property record for 4845 Stephanie Pl, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,074 sqft · built 1970
Lot Size	0.149 acres (6,500 sqft)
Owner	2 Individual Names on Record
Tax Bill	$745 (2025)
Deeds & Mortgages	Sep 2023 Line of Credit Jun 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`122-200-41-00`

Property Details

APN / Parcel Number

Primary APN	`122-200-41-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,074 sqft Living Area

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Lot Area	6,500 sqft (0.149 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	4845 STEPHANIE PL
City	OCEANSIDE
State	CA
Zip	92057-3522
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 224 TR 006230
Legal Subdivision	MESA MARGARITA
Legal Tract	006230
Legal Block	1
Legal Lot Number	224
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2008
Census Tract	18617

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 Record	2 Individual Names on Record
Mailing Address	4845 STEPHANIE PL, OCEANSIDE, CA 92057-3522
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 13, 2023	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Jun 25, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage SECURE ONE CAPITAL CORP
Apr 13, 2020	Deed of Trust, Mortgage · VA Mortgage SECURE ONE CAP
Aug 1, 2019	Quit Claim Deed, Transfer · VA Mortgage SECURE ONE CAP
Mar 2, 2018	Deed of Trust, Mortgage · VA Mortgage GLOBAL EQUITY FIN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2019
Deed Sale	Aug 1, 2019
Deed Document Number	2019319316
Last Transfer Date	Jun 18, 2021
Transfer Doc	0000464838
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4845 STEPHANIE PL, OCEANSIDE, CA 92057-3522
Transaction Type	Mortgage
Record Updated	Sep 22, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4845 STEPHANIE PL, OCEANSIDE, CA 92057-3522

Mortgage

Document Number	0000248012
Date	Sep 13, 2023
Instrument	2023-0248012

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 25, 2021
Property Address	4845 STEPHANIE PL, OCEANSIDE, CA 92057-3522
Document Number	0000464838
Map Reference	MAP 6230
Instrument Date	Jun 18, 2021
Instrument	2021-0464838
Transaction Type	Transfer
Record Updated	Jul 6, 2021
Title Company	TICOR TITLE ORANGE COUNTY BR, TICOR TTL ORANGE CNTY BRANCH

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	Joint Tenants
Address	4845 STEPHANIE PL, OCEANSIDE, CA 92057-3522

Mortgage

Document Number	0000464839
Date	Jun 25, 2021
Instrument	2021-0464839

Lender

Name	SECURE ONE CAPITAL CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4845 STEPHANIE PL, OCEANSIDE, CA 92057-3522
Document Number	0000200695
Instrument Date	Apr 13, 2020
Transaction Type	Mortgage
Record Updated	Apr 30, 2020
Title Company	TICOR TITLE ORANGE COUNTY BR, TICOR TITLE ORANGE CNTY BR

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4845 STEPHANIE PL OCEANSIDE CA 920573522, OCEANSIDE, CA 92057-3522

Mortgage

Document Number	0000200695
Date	Apr 20, 2020
Instrument	200695

Lender

Name	SECURE ONE CAP
Type	Funding / Finance Company
Address	COSTA MESA, CA 92626

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 19, 2050

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 1, 2019
Property Address	4845 STEPHANIE PL, OCEANSIDE, CA 92057-3522
Document Number	0000319316
Instrument Date	Jul 26, 2019
Instrument	319316
Transaction Type	Transfer
Record Updated	Aug 9, 2019
Title Company	TICOR TITLE COMPANY/CA, TICOR TITLE CO/CA

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4845 STEPHANIE PL OCEANSIDE CA 920573522, OCEANSIDE, CA 92057-3522

Mortgage

Document Number	319317
Date	Aug 1, 2019
Instrument	319317

Lender

Name	SECURE ONE CAP
Type	Funding / Finance Company
Address	COSTA MESA, CA 92626

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 31, 2049

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4845 STEPHANIE PL, OCEANSIDE, CA 92057-3522
Document Number	0000088993
Instrument Date	Mar 2, 2018
Transaction Type	Mortgage
Record Updated	Mar 13, 2018
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4845 STEPHANIE PL OCEANSIDE CA 920573522, OCEANSIDE, CA 92057-3522

Mortgage

Document Number	0000088993
Date	Mar 7, 2018
Instrument	88993

Lender

Name	GLOBAL EQUITY FIN
Type	Funding / Finance Company
Address	SAN DIEGO, CA 92117

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 6, 2048

Tax Assessment & Valuation

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		$70,396 (+2%) Land $17,642 Building $52,754
2025	$745.00 (+5.67%) Homeowner's exemption	$69,017 (+4.04%) Land $17,297 Building $51,720
2023	$705.00 (+1.73%) Homeowner's exemption	$66,338 Land $16,626 Building $49,712
2022	$693.00

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	1 in force

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	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.

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 677 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Fiber · Cable in parts of the area	2,000 / 35
San Diego Broadband Fixed Wireless	500 / 100
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Verizon.

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