4975 el Mirlo Dr, Oceanside, CA 92057 Property Records

San Diego County property record for 4975 el Mirlo Dr, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,684 sqft · built 2001
Lot Size	0.174 acres (7,568 sqft)
Owner	Company Name on Record
Tax Bill	$3,075 (2025)
Deeds & Mortgages	Sep 2020 Transfer Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`122-430-22-00`

Property Details

APN / Parcel Number

Primary APN	`122-430-22-00`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,684 sqft Living Area

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Lot Area	7,568 sqft (0.174 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	4975 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 22 TR 013940
Legal Subdivision	SUNWEST VILLAGE
Legal Tract	013940
Legal Block	3
Legal Lot Number	22
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	4975 EL MIRLO DR, OCEANSIDE, CA 92057-2705
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2020	Quit Claim Deed, Transfer LAWYERS TITLE-IE
Sep 14, 2020	Intrafamily Transfer, Transfer · VA Mortgage HOME POINT FINANCIAL CORPORATION
Aug 28, 2019	Deed of Trust, Mortgage · Line of Credit BBVA USA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 14, 2020
Deed Sale	Sep 14, 2020
Prior Sale	Dec 27, 2000 · Amount on Record
Deed Document Number	2020537618
Prior Transfer Date	Sep 9, 2020
Prior Transfer Doc	0000537618
Record Updated	Oct 29, 2026

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 15, 2020
Property Address	4975 EL MIRLO DR, OCEANSIDE, CA 92057-2705
Document Number	0000538489
Instrument Date	Sep 9, 2020
Instrument	538489
Transaction Type	Transfer
Record Updated	Sep 23, 2020
Title Company	LAWYERS TITLE-IE

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	4975 EL MIRLO DR OCEANSIDE CA 920572705, OCEANSIDE, CA 92057-2705

September 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 14, 2020
Property Address	4975 EL MIRLO DR, OCEANSIDE, CA 92057-2705
Document Number	0000537618
Map Reference	MAP 13940
Instrument Date	Sep 9, 2020
Instrument	2020-0537618
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	LAWYERS TITLE IE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4975 EL MIRLO DR, OCEANSIDE, CA 92057-2705

Mortgage

Document Number	0000537619
Date	Sep 14, 2020
Instrument	2020-0537619

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

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

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4975 EL MIRLO DR, OCEANSIDE, CA 92057-2705
Document Number	0000392130
Instrument Date	Aug 28, 2019
Transaction Type	Mortgage
Record Updated	Sep 17, 2019
Title Company	LIEN SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	5502 CAMINO DEL CIELO BONSALL CA 920033703, BONSALL, CA 92003-3703

Mortgage

Document Number	0000392130
Date	Sep 10, 2019
Instrument	392130

Lender

Name	BBVA USA
Address	SAN DIEGO, CA 92128

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Sep 9, 2044

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	Bonsall Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$468,522 (+2%) Land $153,686 Building $314,836
2025	$3,075.00 (+1.82%)	$459,336 (+4.04%) Land $150,673 Building $308,663
2023	$3,020.00 (-0.98%)	$441,501 Land $144,823 Building $296,678
2022	$3,050.00

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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