5014 el Mirlo Dr, Oceanside, CA 92057 Property Records

San Diego County property record for 5014 el Mirlo Dr, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,728 sqft · built 1973
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,743 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit Jul 2025 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`122-290-27-00`

Property Details

APN / Parcel Number

Primary APN	`122-290-27-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,728 sqft Living Area

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Exterior Material	Block
Construction Type	Frame
Lot Area	6,000 sqft (0.138 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	5014 EL MIRLO DR
City	OCEANSIDE
State	CA
Zip	92057-2704
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 1 TR 007264
Legal Subdivision	CASTELLANO RANCHOS
Legal Tract	007264
Legal Block	3
Legal Lot Number	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3000
Census Tract	18619

Owner

5014 el Mirlo Dr is owned and occupied by two individuals who acquired it in April 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	5014 EL MIRLO DR, OCEANSIDE, CA 92057-2704
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
Dec 8, 2023	Deed of Trust, Mortgage · Line of Credit LOANDEPOT.COM LLC
Jul 17, 2025	Deed of Trust, Mortgage · Line of Credit GOODLEAP LC
Apr 23, 2026	Quit Claim Deed, Transfer · VA Mortgage LOANDEPOT.COM LLC
Feb 23, 2018	Deed of Trust, Mortgage · VA Mortgage US BANK NA
Jan 11, 2021	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Dec 20, 2019	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 23, 2026
Deed Sale	Apr 23, 2026
Prior Sale	Aug 8, 2014 · Amount on File
Deed Document Number	2026113855
Prior Transfer Date	Apr 17, 2026
Prior Transfer Doc	0000113855
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	5014 EL MIRLO DR, OCEANSIDE, CA 92057-2704
Transaction Type	Mortgage
Record Updated	May 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5014 EL MIRLO DR, OCEANSIDE, CA 92057-2704

Mortgage

Document Number	0000337908
Date	Dec 8, 2023
Instrument	2023-0337908

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	LIMA, OH 45801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Nov 28, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	5014 EL MIRLO DR, OCEANSIDE, CA 92057-2704
Transaction Type	Mortgage
Record Updated	May 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5014 EL MIRLO DR, OCEANSIDE, CA 92057-2704
Investor	Possibly a Property Investor

Mortgage

Document Number	0000193056
Date	Jul 17, 2025
Instrument	2025-0193056

Lender

Name	GOODLEAP LC
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jul 16, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 23, 2026
Property Address	5014 EL MIRLO DR, OCEANSIDE, CA 92057-2704
Document Number	0000113855
Instrument Date	Apr 17, 2026
Instrument	2026113855
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	AMERICAN COAST TITLE COMPANY, AMERICAN COAST TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	5014 EL MIRLO DR, OCEANSIDE, CA 92057-2704
Investor	Possibly a Property Investor

Mortgage

Document Number	0000113856,
Date	Apr 23, 2026
Instrument	2026113856

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	5014 EL MIRLO DR, OCEANSIDE, CA 92057-2704
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE SAN DIE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000071834
Date	Feb 23, 2018
Instrument	2018-0071834

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2048

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	5014 EL MIRLO DR, OCEANSIDE, CA 92057-2704
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5014 EL MIRLO DR, OCEANSIDE, CA 92057-2704

Mortgage

Document Number	0000017763
Date	Jan 11, 2021
Instrument	2021-0017763

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2051

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	5014 EL MIRLO DR, OCEANSIDE, CA 92057-2704
Document Number	0000023711
Instrument Date	Dec 20, 2019
Transaction Type	Mortgage
Record Updated	Jan 31, 2020
Title Company	AMERICAN COAST TITLE COMPANY, AMERICAN COAST TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	5014 EL MIRLO DR OCEANSIDE CA 920572704, OCEANSIDE, CA 92057-2704

Mortgage

Document Number	0000023711
Date	Jan 16, 2020
Instrument	23711

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 15, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 5014 el Mirlo Dr was $2,743, up 1.3% from the year before.

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		$441,307 (+2%) Land $288,077 Building $153,230
2025	$2,743.00 (+1.33%) Veteran's exemption	$432,655 Land $282,429 Building $150,226
2024	$2,707.00 (-5.75%)
2023	$2,872.00 (-33.33%)	$415,857 Land $271,463 Building $144,394
2022	$4,308.00

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

Flood

FEMA maps place 5014 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 5014 el Mirlo Dr is low, with a 0.01% 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	0.01% annual chance
Exposure	Indirect within 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 504 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Fiber · Cable in parts of the area	2,000 / 35
San Diego Broadband Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

May also be available: T-Mobile.

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