4972 el Mirlo Dr, Oceanside, CA 92057 Property Records

San Diego County property record for 4972 el Mirlo Dr, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,790 sqft · built 2001
Lot Size	0.158 acres (6,871 sqft)
Owner	2 Individual Names on File
Last Sale	$543,000 (Dec 2018)
Tax Bill	$6,796 (2025)
Deeds & Mortgages	Aug 2019 Mortgage Dec 2018 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`122-430-15-00`

Property Details

APN / Parcel Number

Primary APN	`122-430-15-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,790 sqft Living Area

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Lot Area	6,871 sqft (0.158 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	4972 EL MIRLO DR
City	OCEANSIDE
State	CA
Zip	92057-2700
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 15 TR 013940
Legal Subdivision	SUNWEST VILLAGE
Legal Tract	013940
Legal Block	3
Legal Lot Number	15
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3016
Census Tract	18619

Owner

4972 el Mirlo Dr is owned and occupied by two individuals who bought it in December 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	4972 EL MIRLO DR, OCEANSIDE, CA 92057-2700
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2019	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Dec 11, 2018	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 22, 2018	Quit Claim Deed, Transfer Quitclaim
Aug 9, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 11, 2018 · Amount on File
Deed Sale	Dec 11, 2018 · Amount on File
Prior Sale	Apr 2, 2010 · Amount on File
Deed Document Number	2018509076
Prior Transfer Date	Aug 15, 2017
Prior Transfer Doc	0000345894
Record Updated	Oct 29, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4972 EL MIRLO DR, OCEANSIDE, CA 92057-2700
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000354269
Date	Aug 21, 2019
Instrument	2019-0354269

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Lending Institution
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2049

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 11, 2018
Property Address	4972 EL MIRLO DR, OCEANSIDE, CA 92057-2700
Document Number	0000509076
Map Reference	MAP 13940
Instrument Date	Oct 31, 2018
Instrument	2018-0509076
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	STEWART TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4972 EL MIRLO DR, OCEANSIDE, CA 92057-2700

Mortgage

Document Number	0000509077
Date	Dec 11, 2018
Instrument	2018-0509077

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2049

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 22, 2018
Property Address	4972 EL MIRLO DR, OCEANSIDE, CA 92057-2700
Document Number	0000345894
Instrument Date	Aug 15, 2018
Instrument	345894
Transaction Type	Transfer
Record Updated	Aug 28, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4972 EL MIRLO DR OCEANSIDE CA 920572700, OCEANSIDE, CA 92057-2700

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 9, 2018
Property Address	4972 EL MIRLO DR, OCEANSIDE, CA 92057-2700
Document Number	0000327510
Instrument Date	Aug 15, 2017
Instrument	327510
Transaction Type	Transfer
Record Updated	Aug 16, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4972 EL MIRLO DR OCEANSIDE CA 920572700, OCEANSIDE, CA 92057-2700

Tax Assessment & Valuation

The 2025 property tax bill for 4972 el Mirlo Dr was $6,796 with a homeowner's exemption.

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		$617,834 (+2%) Land $347,035 Building $270,799
2025	$6,796.00 Homeowner's exemption	$605,721 Land $340,231 Building $265,490
2023	$6,457.00 (+1.61%) Homeowner's exemption	$582,202 Land $327,020 Building $255,182
2022	$6,355.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 4972 el Mirlo Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 4972 el Mirlo Dr is low, with a 0.02% annual chance of 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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