4853 Stephanie Pl, Oceanside, CA 92057 Property Records

San Diego County property record for 4853 Stephanie Pl, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,224 sqft · built 1970
Lot Size	0.168 acres (7,300 sqft)
Owner	Company Name on File
Tax Bill	$634 (2025)
Deeds & Mortgages	Oct 2021 Reverse Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`122-200-43-00`

Property Details

APN / Parcel Number

Primary APN	`122-200-43-00`

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	7,300 sqft (0.168 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	4853 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 226 TR 006230
Legal Subdivision	MESA MARGARITA
Legal Tract	006230
Legal Block	2
Legal Lot Number	226
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2008
Census Tract	18617

Owner

Source: San Diego County assessment roll, 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	Company Name on File
Mailing Address	4853 STEPHANIE PL, OCEANSIDE, CA 92057-3522
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Oct 12, 2021	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP
May 20, 2020	Affidavit of Death, Transfer · FHA Mortgage AMERICAN ADVISORS
May 20, 2020	Reverse Mortgage, Transfer · FHA Mortgage COMMISSIONER/HSNG & URBAN DEV

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Transfer Date	May 8, 2020
Transfer Doc	0000257434
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4853 STEPHANIE PL, OCEANSIDE, CA 92057-3522
Transaction Type	Mortgage
Record Updated	Oct 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4853 STEPHANIE PL, OCEANSIDE, CA 92057-3522

Mortgage

Document Number	0000710424
Date	Oct 12, 2021
Instrument	2021-0710424

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	729 Months
Due	Jul 13, 2082

Interest

Rate Type	Adjustable Rate
Rate	2.32%
Type Change Date	Nov 1, 2021
Change Frequency	Annually
Index	1-Year CMT
Max Rate	7.32%

May 2020: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN DIEGO CA
Recording Date	May 20, 2020
Property Address	4853 STEPHANIE PL, OCEANSIDE, CA 92057-3522
Document Number	0000257433
Instrument Date	May 8, 2020
Instrument	257433
Transaction Type	Transfer
Record Updated	Jun 1, 2020
Title Company	FNC TITLE/CA

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	4853 STEPHANIE PL OCEANSIDE CA 920573522, OCEANSIDE, CA 92057-3522

Mortgage

Document Number	257435
Date	May 20, 2020
Instrument	257435

Lender

Name	AMERICAN ADVISORS
Address	ORANGE, CA 92868

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	744 Months
Due	May 19, 2082

Interest

Rate Type	Adjustable Rate
Rate	3.64%

May 2020: Reverse Mortgage, Transfer

Document Type	Reverse Mortgage
Jurisdiction	SAN DIEGO CA
Recording Date	May 20, 2020
Property Address	4853 STEPHANIE PL, OCEANSIDE, CA 92057-3522
Document Number	0000257434
Instrument Date	May 8, 2020
Instrument	257434
Transaction Type	Transfer
Record Updated	Jun 1, 2020
Title Company	FNC TITLE/CA

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	4853 STEPHANIE PL OCEANSIDE CA 920573522, OCEANSIDE, CA 92057-3522

Mortgage

Document Number	257436
Date	May 20, 2020
Instrument	257436

Lender

Name	COMMISSIONER/HSNG & URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	744 Months
Due	May 19, 2082

Interest

Rate Type	Adjustable Rate
Rate	3.64%

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		$60,257 (+2%) Land $18,816 Building $41,441
2025	$634.00 (+5.84%) Homeowner's exemption	$59,077 (+4.04%) Land $18,448 Building $40,629
2023	$599.00 (+1.7%) Homeowner's exemption	$56,785 Land $17,733 Building $39,052
2022	$589.00

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.

Nearby Properties on Stephanie Pl

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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