4848 Stephanie Pl, Oceanside, CA 92057 Property Records

San Diego County property record for 4848 Stephanie Pl, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,224 sqft · built 1970
Lot Size	0.149 acres (6,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$240,000 (Aug 2008)
Tax Bill	$4,100 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Apr 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`122-200-35-00`

Property Details

APN / Parcel Number

Primary APN	`122-200-35-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,224 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	4848 STEPHANIE PL
City	OCEANSIDE
State	CA
Zip	92057-3521
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 218 TR 006230
Legal Subdivision	MESA MARGARITA
Legal Tract	006230
Legal Block	1
Legal Lot Number	218
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1003
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	4848 STEPHANIE PL, OCEANSIDE, CA 92057-3521
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 19, 2021	Deed of Trust, Mortgage · FHA Mortgage M & T BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 11, 2008 · Amount on Record
Deed Sale	Aug 11, 2008 · Amount on Record
Deed Document Number	2008428120
Last Transfer Date	Jul 5, 2016
Transfer Doc	0000451709
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4848 STEPHANIE PL, OCEANSIDE, CA 92057-3521
Transaction Type	Mortgage
Record Updated	Jul 30, 2021
Title Company	TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4848 STEPHANIE PL OL, OL, OCEANSIDE, CA 92057-3521

Mortgage

Document Number	0000519757
Date	Jul 21, 2021
Instrument	2021-0519757

Lender

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

Agreement

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

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4848 STEPHANIE PL, OCEANSIDE, CA 92057-3521
Transaction Type	Mortgage
Record Updated	Apr 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4848 STEPHANIE PL, OCEANSIDE, CA 92057-3521

Mortgage

Document Number	0000300180
Date	Apr 19, 2021
Instrument	2021-0300180

Lender

Name	M & T BANK
Type	Bank
Address	FORT LAUDERDALE, FL 33323

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	305 Months
Due	Sep 1, 2046

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		$376,610 (+2%) Land $263,590 Building $113,020
2025	$4,100.00 (+5.26%) Homeowner's exemption	$369,226 (+4.04%) Land $258,422 Building $110,804
2023	$3,895.00 (+1.59%) Homeowner's exemption	$354,890 Land $248,388 Building $106,502
2022	$3,834.00

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	2 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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