4985 el Mirlo Dr, Oceanside, CA 92057 Property Records

San Diego County property record for 4985 el Mirlo Dr, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,032 sqft · built 2001
Lot Size	0.163 acres (7,108 sqft)
Owner	2 Individual Names on File
Last Sale	$596,000 (May 2020)
Tax Bill	$7,311 (2025)
Deeds & Mortgages	May 2020 Sale & Mortgage Nov 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`122-430-21-00`

Property Details

APN / Parcel Number

Primary APN	`122-430-21-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	2,032 sqft Living Area

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Lot Area	7,108 sqft (0.163 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	4985 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 21 TR 013940
Legal Subdivision	SUNWEST VILLAGE
Legal Tract	013940
Legal Block	3
Legal Lot Number	21
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3016
Census Tract	18619

Owner

4985 el Mirlo Dr is owned and occupied by two individuals who bought it in May 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	4985 EL MIRLO DR, OCEANSIDE, CA 92057-2705
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
May 8, 2020	Grant Deed, Transfer · FHA Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU
Nov 17, 2017	Grant Deed, Transfer · Conventional Mortgage RELIANCE MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 8, 2020 · Amount on File
Deed Sale	May 8, 2020 · Amount on File
Prior Sale	Nov 17, 2017 · Amount on File
Deed Document Number	2020236060
Record Updated	Oct 29, 2026

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 8, 2020
Property Address	4985 EL MIRLO DR, OCEANSIDE, CA 92057-2705
Document Number	0000236060
Instrument Date	Apr 21, 2020
Instrument	2020-0236060
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	LAWYERS TITLE COMPANY

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	4985 EL MIRLO DR, OCEANSIDE, CA 92057-2705

Mortgage

Document Number	0000236061
Date	May 8, 2020
Instrument	2020-0236061

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROU
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 17, 2017
Property Address	4985 EL MIRLO DR, OCEANSIDE, CA 92057-2705
Document Number	0000538511
Map Reference	MAP13940
Instrument Date	Oct 18, 2017
Instrument	2017-0538511
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	CHICAGO TITLE COMPANY

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	4985 EL MIRLO DR, OCEANSIDE, CA 92057-2705

Mortgage

Document Number	0000538512
Date	Nov 17, 2017
Instrument	2017-0538512

Lender

Name	RELIANCE MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 4985 el Mirlo Dr was $7,311 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		$664,844 (+2%) Land $271,160 Building $393,684
2025	$7,311.00 Homeowner's exemption	$651,809 Land $265,844 Building $385,965
2023	$6,946.00 (+1.58%) Homeowner's exemption	$626,501 Land $255,522 Building $370,979
2022	$6,838.00

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

Flood

FEMA maps place 4985 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 4985 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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