4987 el Mirlo Dr, Oceanside, CA 92057 Property Records

San Diego County property record for 4987 el Mirlo Dr, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,790 sqft · built 2001
Lot Size	0.141 acres (6,157 sqft)
Owner	2 Trust Names on File
Last Sale	$599,000 (Jun 2020)
Tax Bill	$6,882 (2025)
Deeds & Mortgages	Oct 2025 Transfer May 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`122-430-20-00`

Property Details

APN / Parcel Number

Primary APN	`122-430-20-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,790 sqft Living Area

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Lot Area	6,157 sqft (0.141 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	4987 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 20 TR 013940
Legal Subdivision	SUNWEST VILLAGE
Legal Tract	013940
Legal Block	3
Legal Lot Number	20
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3007
Census Tract	18619

Owner

4987 el Mirlo Dr is owner-occupied and held in a trust since October 2025.

Source: San Diego County records, as of August 26, 2026

Owner of Record	2 Trust Names on File
Mailing Address	4987 EL MIRLO DR, OCEANSIDE, CA 92057-2705
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

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
Oct 16, 2025	Intrafamily Transfer, Transfer
May 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED AMERICAN MORTGAGE CORP
Jul 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED AMERICAN MORTGAGE CORP
Jun 8, 2020	Grant Deed, Transfer · Conventional Mortgage UNITED AMERICAN MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 8, 2020 · Amount on File
Deed Sale	Jun 8, 2020 · Amount on File
Prior Sale	Nov 23, 2009 · Amount on File
Deed Document Number	2020291354
Last Transfer Date	Oct 8, 2025
Transfer Doc	0000289735
Record Updated	Oct 29, 2026

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 16, 2025
Property Address	4987 EL MIRLO DR, OCEANSIDE, CA 92057-2705
Document Number	0000289735
Map Reference	MAP 13940
Instrument Date	Oct 8, 2025
Instrument	2025-0289735
Transaction Type	Transfer
Record Updated	Oct 28, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4987 EL MIRLO DR, OCEANSIDE, CA 92057-2705

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	4987 EL MIRLO DR, OCEANSIDE, CA 92057-2705

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4987 EL MIRLO DR, OCEANSIDE, CA 92057-2705
Transaction Type	Mortgage
Record Updated	Sep 27, 2023
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	625 SUMNER WAY 6, 6, OCEANSIDE, CA 92058-0671

Mortgage

Document Number	0000352442
Date	May 7, 2021
Instrument	2021-0352442

Lender

Name	UNITED AMERICAN MORTGAGE CORP
Type	Mortgage Company
Address	COSTA MESA, CA 92626

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	350 Months
Due	Jul 1, 2050

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4987 EL MIRLO DR, OCEANSIDE, CA 92057-2705
Transaction Type	Mortgage
Record Updated	Sep 27, 2023
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4987 EL MIRLO DR, OCEANSIDE, CA 92057-2705

Mortgage

Document Number	0000519191
Date	Jul 21, 2021
Instrument	2021-0519191

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4987 EL MIRLO DR, OCEANSIDE, CA 92057-2705
Transaction Type	Mortgage
Record Updated	Sep 27, 2023
Title Company	CHICAGO TITLE COMPANY-SD, CHICAGO TITLE COMPANY SD

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	625 SUMNER WAY 6, 6, OCEANSIDE, CA 92058-0671

Mortgage

Document Number	0000348899
Date	May 6, 2021
Instrument	2021-0348899

Lender

Name	UNITED AMERICAN MORTGAGE CORP
Type	Mortgage Company
Address	COSTA MESA, CA 92626

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	350 Months
Due	Jul 1, 2050

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 8, 2020
Property Address	4987 EL MIRLO DR, OCEANSIDE, CA 92057-2705
Document Number	0000291354
Map Reference	MAP 13940
Instrument Date	May 12, 2020
Instrument	2020-0291354
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	CHICAGO TITLE

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	4987 EL MIRLO DR, OCEANSIDE, CA 92057-2705

Mortgage

Document Number	0000291355
Date	Jun 8, 2020
Instrument	2020-0291355

Lender

Name	UNITED AMERICAN MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 4987 el Mirlo Dr was $6,882.

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		$668,191 (+2%) Land $340,720 Building $327,471
2025	$6,882.00 Homeowner's exemption	$655,090 Land $334,040 Building $321,050
2023	$6,587.00 (+1.78%) Homeowner's exemption	$629,654 Land $321,070 Building $308,584
2022	$6,472.00

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

Flood

FEMA maps place 4987 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 4987 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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