5078 Gold Dr, Oceanside, CA 92057 Property Records

San Diego County property record for 5078 Gold Dr, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,352 sqft · built 1974
Lot Size	0.285 acres (12,400 sqft)
Owner	2 Individual Names on Record
Last Sale	$719,000 (Feb 2024)
Tax Bill	$8,247 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Jan 2024 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`122-320-05-00`

Property Details

APN / Parcel Number

Primary APN	`122-320-05-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,352 sqft Living Area

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Bungalow
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Built-Up Asphalt
Lot Area	12,400 sqft (0.285 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	5078 GOLD DR
City	OCEANSIDE
State	CA
Zip	92057-3722
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 509 TR 007687
Legal Subdivision	MESA MARGARITA
Legal Tract	007687
Legal Block	2
Legal Lot Number	509
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2002
Census Tract	18620

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	2 Individual Names on Record
Mailing Address	5078 GOLD DR, OCEANSIDE, CA 92057-3722
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2022	Deed of Trust, Mortgage · Line of Credit AAA CAPITAL INVESTMENT INC
Jan 16, 2024	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 12, 2025	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
Feb 14, 2024	Grant Deed, Transfer · FHA Mortgage KIND LENDING LLC
Dec 27, 2022	Grant Deed, Transfer · VA Mortgage PLAZA HOME MORTGAGE INC
Feb 21, 2018	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 14, 2024 · Amount on Record
Deed Sale	Feb 14, 2024 · Amount on Record
Prior Sale	Dec 27, 2022 · Amount on Record
Deed Document Number	202437854
Prior Transfer Date	Nov 4, 2009
Prior Transfer Doc	0000616525
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	5078 GOLD DR, OCEANSIDE, CA 92057-3722
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	WFG NATIONAL TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5078 GOLD DR, OCEANSIDE, CA 92057-3722

Mortgage

Document Number	0000446383
Date	Nov 22, 2022
Instrument	2022-0446383

Lender

Name	AAA CAPITAL INVESTMENT INC
Type	Non-Lending Institution
Address	ALHAMBRA, CA 91801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 12, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	5078 GOLD DR, OCEANSIDE, CA 92057-3722
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5078 GOLD DR, OCEANSIDE, CA 92057-3722

Mortgage

Document Number	0000011134
Date	Jan 16, 2024
Instrument	2024-0011134

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	5078 GOLD DR, OCEANSIDE, CA 92057-3722
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5078 GOLD DR, OCEANSIDE, CA 92057-3722

Mortgage

Document Number	0000319132
Date	Nov 12, 2025
Instrument	2025-0319132

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

February 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 14, 2024
Property Address	5078 GOLD DR, OCEANSIDE, CA 92057-3722
Document Number	0000037854
Map Reference	MAP 7687
Instrument Date	Jan 12, 2024
Instrument	2024-0037854
Transaction Type	Transfer
Record Updated	Feb 22, 2024
Title Company	CORINTHIAN TITLE-SD, CORINTHIAN TITLE

Transaction

Amount	Amount Recorded
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	5078 GOLD DR, OCEANSIDE, CA 92057-3722

Mortgage

Document Number	0000037855
Date	Feb 14, 2024
Instrument	2024-0037855

Lender

Name	KIND LENDING LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

December 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 27, 2022
Property Address	5078 GOLD DR, OCEANSIDE, CA 92057-3722
Document Number	0000479271
Map Reference	MAP 7887
Instrument Date	Dec 19, 2022
Instrument	2022-0479271
Transaction Type	Transfer
Record Updated	Jan 3, 2023
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

Transaction

Amount	Amount Recorded
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
Address	5078 GOLD DR, OCEANSIDE, CA 92057-3722

Mortgage

Document Number	0000479272
Date	Dec 27, 2022
Instrument	2022-0479272

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	5078 GOLD DR, OCEANSIDE, CA 92057-3722
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000067169
Date	Feb 21, 2018
Instrument	2018-0067169

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2048

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	Oceanside Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$748,046 (+2%) Land $552,409 Building $195,637
2025	$8,247.00 (+14%)	$733,379 (+12.83%) Land $541,578 Building $191,801
2023	$7,234.00 (+77.17%)	$650,000 Land $480,004 Building $169,996
2022	$4,083.00

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	2 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	0.01% 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 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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