5120 Francis St, Oceanside, CA 92057 Property Records

San Diego County property record for 5120 Francis St, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,352 sqft · built 1974
Lot Size	0.179 acres (7,800 sqft)
Owner	2 Individual Names on File
Last Sale	$520,000 (Jun 2020)
Tax Bill	$6,329 (2025)
Deeds & Mortgages	Jun 2020 Sale & Mortgage Jun 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`122-320-27-00`

Property Details

APN / Parcel Number

Primary APN	`122-320-27-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,352 sqft Living Area

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Lot Area	7,800 sqft (0.179 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	5120 FRANCIS ST
City	OCEANSIDE
State	CA
Zip	92057-3600
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 541 TR 007687
Legal Subdivision	MESA MARGARITA
Legal Tract	007687
Legal Block	2
Legal Lot Number	541
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2001
Census Tract	18620

Owner

5120 Francis St is owned and occupied by two individuals who bought it in June 2020.

Source: San Diego County records, as of July 28, 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	5120 FRANCIS ST, OCEANSIDE, CA 92057-3600
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2020	Grant Deed, Transfer · Conventional with PMI LOANDEPOT.COM LLC
Jun 4, 2018	Grant Deed, Transfer · Conventional Mortgage WALLICK & VOLK
Mar 7, 2018	Grant Deed, Transfer CALIFORNIA TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 22, 2020 · Amount on File
Deed Sale	Jun 22, 2020 · Amount on File
Prior Sale	Jun 4, 2018 · Amount on File
Deed Document Number	2020324077
Record Updated	Oct 29, 2026

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 22, 2020
Property Address	5120 FRANCIS ST, OCEANSIDE, CA 92057-3600
Document Number	0000324077
Instrument Date	May 15, 2020
Instrument	324077
Transaction Type	Transfer
Record Updated	Jul 1, 2020
Title Company	LAWYERS TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$572.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	5120 FRANCIS ST OCEANSIDE CA 920573600, OCEANSIDE, CA 92057-3600

Mortgage

Document Number	324078
Date	Jun 22, 2020
Instrument	324078

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 21, 2050

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 4, 2018
Property Address	5120 FRANCIS ST, OCEANSIDE, CA 92057-3600
Document Number	0000223802
Instrument Date	May 16, 2018
Instrument	223802
Transaction Type	Transfer
Record Updated	Jun 21, 2018
Title Company	CALIFORNIA TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$522.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	17131 REGULUS DR YORBA LINDA CA 928863623, YORBA LINDA, CA 92886-3623

Mortgage

Document Number	223803
Date	Jun 4, 2018
Instrument	223803

Lender

Name	WALLICK & VOLK
Address	CHEYENNE, WY 82001

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 3, 2048

March 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 7, 2018
Property Address	5120 FRANCIS ST, OCEANSIDE, CA 92057-3600
Document Number	0000089727
Instrument Date	Mar 2, 2018
Instrument	89727
Transaction Type	Transfer
Record Updated	Mar 13, 2018
Title Company	CALIFORNIA TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$429.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Partnership
Address	PO BOX 34626 SAN DIEGO CA 921634626, SAN DIEGO, CA 92163-4626

Tax Assessment & Valuation

The 2025 property tax bill for 5120 Francis St was $6,329 with a homeowner's exemption.

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		$580,063 (+2%) Land $379,272 Building $200,791
2025	$6,329.00 Homeowner's exemption	$568,690 Land $371,836 Building $196,854
2023	$6,014.00 (+1.55%) Homeowner's exemption	$546,610 Land $357,399 Building $189,211
2022	$5,922.00

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

Flood

FEMA maps place 5120 Francis St 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	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

Wildfire risk around 5120 Francis St 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	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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