San Diego County property record for 5186 Mertensia St, Oceanside, CA 92056
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,276 sqft · built 1999 |
| Lot Size | 0.242 acres (10,523 sqft) |
| Owner | Company Name on File |
| Last Sale | $480,000 (Apr 2011) |
| Tax Bill | $6,998 (2025) |
| Deeds & Mortgages | Dec 2021 Line of Credit Oct 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 169-571-09-00 |
| Primary APN | 169-571-09-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 2,276 sqft Living Area |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Lot Area | 10,523 sqft (0.242 acres) |
| Parking Spaces | 3 Parking Spaces |
| Street Address | 5186 MERTENSIA ST |
|---|---|
| City | OCEANSIDE |
| State | CA |
| Zip | 92056-7271 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS |
| Legal Description | LOT 82 TR 012802 |
| Legal Subdivision | SOUTH RIDGE TRAILS |
| Legal Tract | 012802 |
| Legal Block | 1 |
| Legal Lot Number | 82 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | OCEANSIDE-ESCONDIDO |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 19808 |
5186 Mertensia St is owned by a company that bought it in April 2011.
Source: San Diego County records, as of July 28, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 5186 MERTENSIA ST, OCEANSIDE, CA 92056-7271 |
| Owner Type | Company |
| Vesting | Borrower in Default |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 21, 2021 | Deed of Trust, Mortgage · Line of Credit MISSION FCU |
| Oct 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 8, 2011 · Amount on File |
| Deed Sale | Apr 8, 2011 · Amount on File |
| Prior Sale | Mar 19, 1998 · Amount on File |
| Deed Document Number | 2011182736 |
| Prior Transfer Date | Apr 5, 2011 |
| Prior Transfer Doc | 0000195057 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 5186 MERTENSIA ST, OCEANSIDE, CA 92056-7271 |
| Transaction Type | Mortgage |
| Record Updated | Dec 29, 2021 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Name | Verified Name |
|---|---|
| Address | 5186 MERTENSIA ST, OCEANSIDE, CA 92056-7271 |
| Document Number | 0000856240 |
|---|---|
| Date | Dec 21, 2021 |
| Instrument | 2021-0856240 |
| Name | MISSION FCU |
|---|---|
| Type | Credit Union |
| Address | SAN DIEGO, CA 92191 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Dec 31, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 5186 MERTENSIA ST, OCEANSIDE, CA 92056-7271 |
| Transaction Type | Mortgage |
| Record Updated | Nov 5, 2021 |
| Title Company | AMROCK TITLE CALIFORNIA INC |
| Name | Verified Name |
|---|---|
| Address | 5186 MERTENSIA ST, OCEANSIDE, CA 92056-7271 |
| Document Number | 0000750127 |
|---|---|
| Date | Oct 28, 2021 |
| Instrument | 2021-0750127 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 352 Months |
| Due | Feb 1, 2051 |
The 2025 property tax bill for 5186 Mertensia St was $6,998.
Source: San Diego County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Municipality | Oceanside City |
| Unified School District | Vista Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $627,249 (+2%) Land $206,596 Building $420,653 | |
| 2025 | $6,998.00 | $614,951 Land $202,546 Building $412,405 |
| 2023 | $6,441.00 (+0.25%) | $591,074 Land $194,682 Building $396,392 |
| 2022 | $6,425.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 5186 Mertensia 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 | 1 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 risk around 5186 Mertensia 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 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 700 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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