5125 Eliot St, Oceanside, CA 92057 Property Records

San Diego County property record for 5125 Eliot St, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,570 sqft · built 2003
Lot Size	0.145 acres (6,332 sqft)
Owner	2 Individual Names on Record
Last Sale	$498,000 (Jun 2015)
Tax Bill	$7,732 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit Jun 2022 Transfer + 5 more
Flood Zone	Zone X (minimal risk)
APN	`122-501-46-00`

Property Details

APN / Parcel Number

Primary APN	`122-501-46-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,570 sqft Living Area

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Lot Area	6,332 sqft (0.145 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	5125 ELIOT ST
City	OCEANSIDE
State	CA
Zip	92057-2648
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-MP-1
Legal Description	LOT 152 TR 014389
Legal Subdivision	MORRO HILLS VILLAGE
Legal Tract	014389
Legal Block	1
Legal Lot Number	152
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1001
Census Tract	18617

Owner

Source: San Diego County records, as of July 21, 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	5125 ELIOT ST, OCEANSIDE, CA 92057-2648
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 12, 2023	Deed of Trust, Mortgage · Line of Credit FRONTWAVE CU
Jun 22, 2022	Transfer on Death Deed, Transfer
Jun 22, 2022	Transfer on Death Deed, Transfer
Mar 22, 2022	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Jul 26, 2021	Deed of Trust, Mortgage · Line of Credit ALLIANT CU
Jul 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC
Feb 19, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 24, 2015 · Amount on Record
Deed Sale	Jun 24, 2015 · Amount on Record
Prior Sale	Sep 24, 2003 · Amount on Record
Deed Document Number	2015329444
Last Transfer Date	Jun 21, 2022
Transfer Doc	0000257458
Record Updated	Sep 20, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	5125 ELIOT ST, OCEANSIDE, CA 92057-2648
Transaction Type	Mortgage
Record Updated	Dec 22, 2023
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5125 ELIOT ST, OCEANSIDE, CA 92057-2648

Mortgage

Document Number	0000341801
Date	Dec 12, 2023
Instrument	2023-0341801

Lender

Name	FRONTWAVE CU
Type	Credit Union
Address	OCEANSIDE, CA 92056

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Dec 24, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 22, 2022
Property Address	5125 ELIOT ST, OCEANSIDE, CA 92057-2648
Document Number	0000257459
Map Reference	DOC 2002-0398735
Instrument Date	Jun 21, 2022
Instrument	2022-0257459
Transaction Type	Transfer
Record Updated	Jun 29, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5125 ELIOT ST, OCEANSIDE, CA 92057-2648

June 2022: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 22, 2022
Property Address	5125 ELIOT ST, OCEANSIDE, CA 92057-2648
Document Number	0000257458
Map Reference	DOC 2002-0398735
Instrument Date	Jun 21, 2022
Instrument	2022-0257458
Transaction Type	Transfer
Record Updated	Jun 29, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5125 ELIOT ST, OCEANSIDE, CA 92057-2648

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	5125 ELIOT ST, OCEANSIDE, CA 92057-2648
Transaction Type	Mortgage
Record Updated	Apr 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5125 ELIOT ST, OCEANSIDE, CA 92057-2648

Mortgage

Document Number	0000125698
Date	Mar 22, 2022
Instrument	2022-0125698

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	5125 ELIOT ST, OCEANSIDE, CA 92057-2648
Transaction Type	Mortgage
Record Updated	Aug 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5125 ELIOT ST, OCEANSIDE, CA 92057-2648

Mortgage

Document Number	0000530175
Date	Jul 26, 2021
Instrument	2021-0530175

Lender

Name	ALLIANT CU
Type	Credit Union
Address	CHICAGO, IL 60666

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 25, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	5125 ELIOT ST, OCEANSIDE, CA 92057-2648
Transaction Type	Mortgage
Record Updated	Jul 30, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5125 ELIOT ST, OCEANSIDE, CA 92057-2648

Mortgage

Document Number	0000524075
Date	Jul 22, 2021
Instrument	2021-0524075

Lender

Name	STEARNS LENDING LLC
Type	Mortgage Company
Address	LEWISVILLE, TX 75057

Agreement

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

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	5125 ELIOT ST, OCEANSIDE, CA 92057-2648
Document Number	0000067228
Instrument Date	Feb 19, 2019
Transaction Type	Mortgage
Record Updated	Mar 5, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL AGENCY SOLUTION

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5125 ELIOT ST OCEANSIDE CA 920572648, OCEANSIDE, CA 92057-2648

Mortgage

Document Number	0000067228
Date	Feb 26, 2019
Instrument	67228

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 25, 2049

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 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		$610,357 (+2%) Land $264,701 Building $345,656
2025	$7,732.00 (+1.9%) Homeowner's exemption	$598,390 (+4.04%) Land $259,511 Building $338,879
2023	$7,588.00 (+1.34%) Homeowner's exemption	$575,156 Land $249,435 Building $325,721
2022	$7,488.00

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 62% of the US · lower than 77% of California
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

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 586 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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