4969 Stephanie Pl, Oceanside, CA 92057 Property Records

San Diego County property record for 4969 Stephanie Pl, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,239 sqft · built 1969
Lot Size	0.23 acres (10,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$760,000 (Jul 2026)
Tax Bill	$6,040 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Feb 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`122-070-38-00`

Property Details

APN / Parcel Number

Primary APN	`122-070-38-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,239 sqft Living Area

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Lot Area	10,000 sqft (0.23 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	4969 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 154 TR 006022
Legal Subdivision	MESA MARGARITA
Legal Tract	006022
Legal Block	2
Legal Lot Number	154
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	4969 STEPHANIE PL, OCEANSIDE, CA 92057-3524
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2026	Grant Deed, Transfer · FHA Mortgage CMG MORTGAGE INC
Feb 10, 2022	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Aug 28, 2020	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Nov 1, 2019	Grant Deed, Transfer · VA Mortgage NAVY FCU
Jul 8, 2019	Grant Deed, Transfer · Line of Credit QUANTA FIN LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2026 · Amount on Record
Deed Sale	Jul 1, 2026 · Amount on Record
Prior Sale	Nov 1, 2019 · Amount on Record
Deed Document Number	2026188685
Transfer Doc	0000437619
Record Updated	Oct 29, 2026

July 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 1, 2026
Property Address	4969 STEPHANIE PL, OCEANSIDE, CA 92057-3524
Document Number	0000188685
Instrument Date	Jun 16, 2026
Instrument	2026188685
Transaction Type	Transfer
Record Updated	Jul 9, 2026
Title Company	EQUITY TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$84,436.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4969 STEPHANIE PL, OCEANSIDE, CA 92057-3524

Mortgage

Document Number	0000188686,
Date	Jul 1, 2026
Instrument	2026188686

Lender

Name	CMG MORTGAGE INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.51%
Max Rate	-1%

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4969 STEPHANIE PL, OCEANSIDE, CA 92057-3524
Transaction Type	Mortgage
Record Updated	Feb 18, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4969 STEPHANIE PL, OCEANSIDE, CA 92057-3524

Mortgage

Document Number	0000062297
Date	Feb 10, 2022
Instrument	2022-0062297

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4969 STEPHANIE PL, OCEANSIDE, CA 92057-3524
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4969 STEPHANIE PL, OCEANSIDE, CA 92057-3524

Mortgage

Document Number	0000493621
Date	Aug 28, 2020
Instrument	2020-0493621

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

November 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 1, 2019
Property Address	4969 STEPHANIE PL, OCEANSIDE, CA 92057-3524
Document Number	0000502291
Instrument Date	Sep 20, 2019
Instrument	502291
Transaction Type	Transfer
Record Updated	Nov 14, 2019
Title Company	CORINTHIAN TITLE COMPANY, CORINTHIAN TITLE CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$539.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	4815 FRAZEE RD #411 OCEANSIDE CA 920576829, 411, OCEANSIDE, CA 92057-6829

Mortgage

Document Number	502292
Date	Nov 1, 2019
Instrument	502292

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Oct 31, 2059

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 8, 2019
Property Address	4969 STEPHANIE PL, OCEANSIDE, CA 92057-3524
Document Number	0000269968
Instrument Date	Jun 19, 2019
Instrument	269968
Transaction Type	Transfer
Record Updated	Jul 19, 2019
Title Company	CORINTHIAN TITLE COMPANY, CORINTHIAN TITLE CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$396.00
Amount Accuracy	Full Value
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	7340 MIRAMAR RD #203 SAN DIEGO CA 921264213, 203, SAN DIEGO, CA 92126-4213
Investor	Possibly a Property Investor

Mortgage

Document Number	269969
Date	Jul 8, 2019
Instrument	269969

Lender

Name	QUANTA FIN LLC
Address	WESTLAKE VILLAGE, CA 91362

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$546,600 (+2%) Land $425,134 Building $121,466
2025	$6,040.00 (+1.94%)	$535,884 (+4.04%) Land $416,799 Building $119,085
2024	$5,925.00 (+3.17%)
2023	$5,743.00 (+1.54%)	$515,076 Land $400,615 Building $114,461
2022	$5,656.00

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	0.01% 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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