5088 Gold Dr, Oceanside, CA 92057 Property Records

San Diego County property record for 5088 Gold Dr, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,095 sqft · built 1974
Lot Size	0.264 acres (11,500 sqft)
Owner	Individual Name on Record
Last Sale	$410,000 (Oct 2018)
Tax Bill	$5,163 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Sep 2021 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`122-320-10-00`

Property Details

APN / Parcel Number

Primary APN	`122-320-10-00`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,095 sqft Living Area

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	11,500 sqft (0.264 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	5088 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 504 TR 007687
Legal Subdivision	MESA MARGARITA
Legal Tract	007687
Legal Block	2
Legal Lot Number	504
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	Individual Name on Record
Mailing Address	5088 GOLD DR, OCEANSIDE, CA 92057-3722
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2026	Deed of Trust, Mortgage · Line of Credit FIRST TECHNOLOGY FEDERAL CREDIT UNION
Sep 15, 2021	Deed of Trust, Mortgage · Line of Credit CALIFORNIA CU
Apr 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jun 13, 2019	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA
Dec 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Oct 4, 2018	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 4, 2018 · Amount on Record
Deed Sale	Oct 4, 2018 · Amount on Record
Prior Sale	Aug 1, 1986 · Amount on Record
Deed Document Number	2018414808
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 30, 2026
Property Address	5088 GOLD DR, OCEANSIDE, CA 92057-3722
Document Number	0000122081
Instrument Date	Apr 16, 2026
Instrument	2026122081
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NATIONWIDE TITLE CLEARING INC, NATIONWIDE TITLE CLEARING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5088 GOLD DR, OCEANSIDE, CA 92057-3722

Mortgage

Document Number	0000122081,
Date	Apr 30, 2026
Instrument	2026122081

Lender

Name	FIRST TECHNOLOGY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 25, 2056

Interest

Rate	6.22%
Max Rate	-1%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	5088 GOLD DR, OCEANSIDE, CA 92057-3722
Transaction Type	Mortgage
Record Updated	Sep 23, 2021
Title Company	CALIFORNIA TITLE COMPANY, CALIFORNIA MEMBERS TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5088 GOLD DR, OCEANSIDE, CA 92057-3722

Mortgage

Document Number	0000650792
Date	Sep 15, 2021
Instrument	2021-0650792

Lender

Name	CALIFORNIA CU
Type	Credit Union
Address	GLENDALE, CA 91209

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 14, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	5088 GOLD DR, OCEANSIDE, CA 92057-3722
Transaction Type	Mortgage
Record Updated	Apr 22, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5088 GOLD DR, OCEANSIDE, CA 92057-3722

Mortgage

Document Number	0000279607
Date	Apr 12, 2021
Instrument	2021-0279607

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	5088 GOLD DR, OCEANSIDE, CA 92057-3722
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG TITLE CO OF CA SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000230341
Date	Jun 13, 2019
Instrument	2019-0230341

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	5088 GOLD DR, OCEANSIDE, CA 92057-3722
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5088 GOLD DR, OCEANSIDE, CA 92057-3722

Mortgage

Document Number	0000843941
Date	Dec 30, 2020
Instrument	2020-0843941

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Oct 1, 2050

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 4, 2018
Property Address	5088 GOLD DR, OCEANSIDE, CA 92057-3722
Document Number	0000414808
Map Reference	MAP 7687
Instrument Date	Sep 28, 2018
Instrument	2018-0414808
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	STEWART TITLE OF CALIFORNIA

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
Address	5088 GOLD DR, OCEANSIDE, CA 92057-3722

Mortgage

Document Number	0000414809
Date	Oct 4, 2018
Instrument	2018-0414809

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 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		$466,503 (+2%) Land $115,262 Building $351,241
2025	$5,163.00 (+1.95%)	$457,356 (+4.04%) Land $113,002 Building $344,354
2024	$5,064.00 (+3.18%)
2023	$4,908.00 (+1.53%)	$439,598 Land $108,615 Building $330,983
2022	$4,834.00

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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