4939 Stephanie Pl, Oceanside, CA 92057 Property Records

San Diego County property record for 4939 Stephanie Pl, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,074 sqft · built 1970
Lot Size	0.186 acres (8,100 sqft)
Owner	2 Individual Names on Record
Last Sale	$265,000 (Mar 2011)
Tax Bill	$3,846 (2025)
Deeds & Mortgages	Feb 2024 Line of Credit Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`122-200-48-00`

Property Details

APN / Parcel Number

Primary APN	`122-200-48-00`

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	8,100 sqft (0.186 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	4939 STEPHANIE PL
City	OCEANSIDE
State	CA
Zip	92057-3524
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 231 TR 006230
Legal Subdivision	MESA MARGARITA
Legal Tract	006230
Legal Block	2
Legal Lot Number	231
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2003
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	4939 STEPHANIE PL, OCEANSIDE, CA 92057-3524
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 14, 2024	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Apr 20, 2020	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Oct 25, 2017	Deed of Trust, Mortgage · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 18, 2011 · Amount on Record
Deed Sale	Mar 18, 2011 · Amount on Record
Prior Sale	Nov 30, 2010 · Amount on Record
Deed Document Number	2011144331
Prior Transfer Date	Aug 25, 1994
Prior Transfer Doc	0000710259
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4939 STEPHANIE PL, OCEANSIDE, CA 92057-3524
Transaction Type	Mortgage
Record Updated	Feb 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4939 STEPHANIE PL, OCEANSIDE, CA 92057-3524

Mortgage

Document Number	0000037534
Date	Feb 14, 2024
Instrument	2024-0037534

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	479 Months
Due	Jan 1, 2064

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4939 STEPHANIE PL, OCEANSIDE, CA 92057-3524
Document Number	0000207389
Instrument Date	Apr 20, 2020
Transaction Type	Mortgage
Record Updated	May 5, 2020
Title Company	NAVY FEDERAL TITLE/CALIFORNIA, NAVY FED'L TITLE/CALIFORNIA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4939 STEPHANIE PL OCEANSIDE CA 920573524, OCEANSIDE, CA 92057-3524

Mortgage

Document Number	0000207389
Date	Apr 23, 2020
Instrument	207389

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 22, 2050

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4939 STEPHANIE PL, OCEANSIDE, CA 92057-3524
Document Number	0000503070
Instrument Date	Oct 25, 2017
Transaction Type	Mortgage
Record Updated	Nov 2, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4939 STEPHANIE PL OCEANSIDE CA 920573524, OCEANSIDE, CA 92057-3524

Mortgage

Document Number	0000503070
Date	Oct 30, 2017
Instrument	503070

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 29, 2047

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		$346,285 (+2%) Land $284,453 Building $61,832
2025	$3,846.00 (+5.2%)	$339,496 (+4.04%) Land $278,876 Building $60,620
2023	$3,656.00 (+1.53%)	$326,315 Land $268,048 Building $58,267
2022	$3,601.00

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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