4889 Zenos Way, Oceanside, CA 92056 Property Records

San Diego County property record for 4889 Zenos Way, Oceanside, CA 92056

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,613 sqft · built 1998
Lot Size	0.137 acres (5,976 sqft)
Owner	Company Name on Record
Last Sale	$470,000 (Jul 2013)
Tax Bill	$6,467 (2025)
Deeds & Mortgages	Oct 2021 Reverse Mortgage Nov 2020 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`169-541-23-00`

Property Details

APN / Parcel Number

Primary APN	`169-541-23-00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,613 sqft Living Area

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Lot Area	5,976 sqft (0.137 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	4889 ZENOS WAY
City	OCEANSIDE
State	CA
Zip	92056-7445
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-A
Legal Description	LOT 77 TR 012405
Legal Subdivision	LEISURE VILLAGE OCEANSIDE
Legal Tract	012405
Legal Block	3
Legal Lot Number	77
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3003
Census Tract	19808

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	Company Name on Record
Mailing Address	4889 ZENOS WAY, OCEANSIDE, CA 92056-7445
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2021	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP
Nov 13, 2020	Affidavit of Death, Transfer ATTORNEY ONLY
Jun 21, 2019	Deed of Trust, Mortgage · FHA Mortgage AMERICAN ADVISORS
Jun 21, 2019	Deed of Trust, Mortgage · FHA Mortgage COMMISSIONER/HSNG & URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 26, 2013 · Amount on Record
Deed Sale	Jul 26, 2013 · Amount on Record
Prior Sale	Mar 30, 2011 · Amount on Record
Deed Document Number	2013468454
Transfer Doc	0000712873
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4889 ZENOS WAY, OCEANSIDE, CA 92056-7445
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	FC TITLE, FNC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4889 ZENOS WAY, OCEANSIDE, CA 92056-7445

Mortgage

Document Number	0000754746
Date	Oct 29, 2021
Instrument	2021-0754746

Lender

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

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	874 Months
Due	Aug 28, 2094

Interest

Rate Type	Adjustable Rate
Rate	2.07%
Type Change Date	Dec 1, 2021
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	7.07%

November 2020: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 13, 2020
Property Address	4889 ZENOS WAY, OCEANSIDE, CA 92056-7445
Document Number	0000712873
Instrument Date	Oct 30, 2020
Instrument	712873
Transaction Type	Transfer
Record Updated	Nov 23, 2020
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4889 ZENOS WAY OCEANSIDE CA 920567445, OCEANSIDE, CA 92056-7445

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4889 ZENOS WAY, OCEANSIDE, CA 92056-7445
Document Number	0000251801
Instrument Date	Jun 21, 2019
Transaction Type	Mortgage
Record Updated	Jul 4, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4889 ZENOS WAY OCEANSIDE CA 920567445, OCEANSIDE, CA 92056-7445

Mortgage

Document Number	0000251801
Date	Jun 26, 2019
Instrument	251801

Lender

Name	AMERICAN ADVISORS
Address	3800 W CHAPMAN AVENUE 3RD & 7TH F, ORANGE, CA 92868

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	900 Months
Due	Jun 25, 2094

Interest

Rate Type	Adjustable Rate
Rate	3.59%

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4889 ZENOS WAY, OCEANSIDE, CA 92056-7445
Document Number	0000251802
Instrument Date	Jun 21, 2019
Transaction Type	Mortgage
Record Updated	Jul 9, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4889 ZENOS WAY OCEANSIDE CA 920567445, OCEANSIDE, CA 92056-7445

Mortgage

Document Number	0000251802
Date	Jun 26, 2019
Instrument	251802

Lender

Name	COMMISSIONER/HSNG & URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	900 Months
Due	Jun 25, 2094

Interest

Rate Type	Adjustable Rate
Rate	3.59%

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	Vista Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$587,666 (+2%) Land $328,197 Building $259,469
2025	$6,467.00 (+8.73%) Homeowner's exemption	$576,144 (+4.04%) Land $321,762 Building $254,382
2023	$5,948.00 (+0.27%) Homeowner's exemption	$553,773 Land $309,268 Building $244,505
2022	$5,932.00

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 62% of the US · lower than 77% of California
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	La Jolla Eastern tribal government · serves 1,076 people · EPA ID 090605007
Water Source	Groundwater
Last State Inspection	Apr 2021
Also Mapped Here	CITY OF OCEANSIDE, SAN DIEGO COUNTY WATER AUTHORITY
Lead	Below detection (2023–2025) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 858 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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