4971 el Mirlo Dr, Oceanside, CA 92057 Property Records

San Diego County property record for 4971 el Mirlo Dr, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,594 sqft · built 2001
Lot Size	0.176 acres (7,677 sqft)
Owner	Company Name on Record
Last Sale	$236,500 (Dec 2000)
Tax Bill	$4,123 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`122-430-24-00`

Property Details

APN / Parcel Number

Primary APN	`122-430-24-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,594 sqft Living Area

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Lot Area	7,677 sqft (0.176 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	4971 EL MIRLO DR
City	OCEANSIDE
State	CA
Zip	92057-2705
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 24 TR 013940
Legal Subdivision	SUNWEST VILLAGE
Legal Tract	013940
Legal Block	3
Legal Lot Number	24
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3007
Census Tract	18619

Owner

Source: San Diego County records, as of July 28, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	4971 EL MIRLO DR, OCEANSIDE, CA 92057-2705
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2021	Deed of Trust, Mortgage · VA Mortgage ROUNDPOINT MORTGAGE SERVICING CORP
Jun 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
Oct 31, 2017	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 22, 2000 · Amount on Record
Deed Sale	Dec 22, 2000 · Amount on Record
Deed Document Number	2000699915
Last Transfer Date	Nov 11, 2004
Transfer Doc	0001140753
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4971 EL MIRLO DR, OCEANSIDE, CA 92057-2705
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	E-PLACER TITLE, PLACER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4971 EL MIRLO DR, OCEANSIDE, CA 92057-2705

Mortgage

Document Number	0000618343
Date	Aug 31, 2021
Instrument	2021-0618343

Lender

Name	ROUNDPOINT MORTGAGE SERVICING CORP
Type	Mortgage Company
Address	FORT MILL, SC 29715

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4971 EL MIRLO DR, OCEANSIDE, CA 92057-2705
Document Number	0000352968
Instrument Date	Jun 26, 2020
Transaction Type	Mortgage
Record Updated	Jul 16, 2020
Title Company	NORTH AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4971 EL MIRLO DR OCEANSIDE CA 920572705, OCEANSIDE, CA 92057-2705

Mortgage

Document Number	0000352968
Date	Jul 6, 2020
Instrument	352968

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 5, 2050

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4971 EL MIRLO DR, OCEANSIDE, CA 92057-2705
Document Number	0000516641
Instrument Date	Oct 31, 2017
Transaction Type	Mortgage
Record Updated	Nov 10, 2017
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	4971 EL MIRLO DR OCEANSIDE CA 920572705, OCEANSIDE, CA 92057-2705

Mortgage

Document Number	0000516641
Date	Nov 6, 2017
Instrument	516641

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 5, 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	Bonsall Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$399,075 (+2%) Land $161,370 Building $237,705
2025	$4,123.00 (+4.54%) Homeowner's exemption	$391,251 (+4.04%) Land $158,206 Building $233,045
2023	$3,944.00 (+11.89%) Homeowner's exemption	$376,060 Land $152,063 Building $223,997
2022	$3,525.00

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	6 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 586 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Fiber	2,000 / 35
San Diego Broadband Fixed Wireless	500 / 100
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Verizon.

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