5109 Bella Collina St, Oceanside, CA 92056 Property Records

San Diego County property record for 5109 Bella Collina St, Oceanside, CA 92056

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,923 sqft · built 1994
Lot Size	0.34 acres (14,804 sqft)
Owner	2 Individual Names on File
Last Sale	$395,000 (Jun 2012)
Tax Bill	$5,835 (2025)
Deeds & Mortgages	Oct 2026 Mortgage Jul 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`158-563-11-00`

Property Details

APN / Parcel Number

Primary APN	`158-563-11-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,923 sqft Living Area

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Lot Area	14,804 sqft (0.34 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	5109 BELLA COLLINA ST
City	OCEANSIDE
State	CA
Zip	92056-1904
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RE-B
Legal Description	LOT 45 TR 012370
Legal Subdivision	MISSION SANTA FE
Legal Tract	012370
Legal Block	2
Legal Lot Number	45
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2000
Census Tract	19301

Owner

5109 Bella Collina St is owned and occupied by two individuals who acquired it in July 2022.

Source: San Diego County records, as of October 22, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	5109 BELLA COLLINA ST, OCEANSIDE, CA 92056-1904
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 20, 2023	Deed of Trust, Mortgage · Line of Credit FRONTWAVE CU
Aug 1, 2022	Affidavit of Death of Joint Tenant, Transfer CHICAGO TITLE COMPANY
Aug 1, 2022	Intrafamily Transfer, Transfer · Line of Credit FRONTWAVE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2012 · Amount on File
Deed Sale	Jun 29, 2012 · Amount on File
Prior Sale	Sep 10, 1999 · Amount on File
Deed Document Number	2012381366
Last Transfer Date	Jul 27, 2022
Transfer Doc	0000312967
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 14, 2026
Property Address	5109 BELLA COLLINA ST, OCEANSIDE, CA 92056-1904
Document Number	0000297007
Instrument Date	Oct 6, 2026
Instrument	2026297007
Transaction Type	Mortgage
Record Updated	Oct 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	5109 BELLA COLLINA ST, OCEANSIDE, CA 92056-1904

Mortgage

Document Number	0000297007,
Date	Oct 14, 2026
Instrument	2026297007

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	5109 BELLA COLLINA ST, OCEANSIDE, CA 92056-1904
Transaction Type	Mortgage
Record Updated	Jul 31, 2023
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5109 BELLA COLLINA ST, OCEANSIDE, CA 92056-1904

Mortgage

Document Number	0000191931
Date	Jul 20, 2023
Instrument	2023-0191931

Lender

Name	FRONTWAVE CU
Type	Credit Union
Address	OCEANSIDE, CA 92056

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Aug 1, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2022: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 1, 2022
Property Address	5109 BELLA COLLINA ST, OCEANSIDE, CA 92056-1904
Document Number	0000312966
Map Reference	MAP 12370
Instrument Date	Jul 27, 2022
Instrument	2022-0312966
Transaction Type	Transfer
Record Updated	Aug 9, 2022
Title Company	CHICAGO TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5109 BELLA COLLINA ST, OCEANSIDE, CA 92056-1904
Mail Care Of	ALISON M BROOKS

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 1, 2022
Property Address	5109 BELLA COLLINA ST, OCEANSIDE, CA 92056-1904
Document Number	0000312967
Map Reference	MAP 12370
Instrument Date	Jul 27, 2022
Instrument	2022-0312967
Transaction Type	Transfer
Record Updated	Aug 9, 2022
Title Company	CHICAGO TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	5109 BELLA COLLINA ST, OCEANSIDE, CA 92056-1904

Mortgage

Document Number	0000312968
Date	Aug 1, 2022
Instrument	2022-0312968

Lender

Name	FRONTWAVE CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Jul 24, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 5109 Bella Collina St was $5,835.

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	Vista Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$506,050 (+2%) Land $145,799 Building $360,251
2025	$5,835.00	$496,129 Land $142,941 Building $353,188
2023	$5,385.00 (+1.7%)	$476,866 Land $137,392 Building $339,474
2022	$5,295.00

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

Flood

FEMA maps place 5109 Bella Collina St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 3, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 5109 Bella Collina St 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 97% of the US · lower than 97.8% 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 638 locations within half a mile, as of December 31, 2025

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

May also be available: San Diego Broadband, T-Mobile.

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