5186 Via Malaguena, Oceanside, CA 92057 Property Records

San Diego County property record for 5186 Via Malaguena, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,657 sqft · built 1996
Lot Size	0.226 acres (9,840 sqft)
Owner	Individual Name on File
Last Sale	$700,000 (Nov 2020)
Tax Bill	$8,559 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Nov 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`122-411-04-00`

Property Details

APN / Parcel Number

Primary APN	`122-411-04-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,657 sqft Living Area

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Lot Area	9,840 sqft (0.226 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	5186 VIA MALAGUENA
City	OCEANSIDE
State	CA
Zip	92057-2629
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 87 TR 012310
Legal Subdivision	CREEKSIDE ESTATES
Legal Tract	012310
Legal Block	1
Legal Lot Number	87
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1003
Census Tract	18617

Owner

5186 Via Malaguena is owned and occupied by an individual who bought it in November 2020.

Source: San Diego County records, as of July 28, 2026

Owner of Record	Individual Name on File
Mailing Address	5186 VIA MALAGUENA, OCEANSIDE, CA 92057-2629
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Nov 24, 2020	Grant Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Aug 10, 2018	Grant Deed, Transfer · Conventional Mortgage FIRST CHOICE LN SVCS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 24, 2020 · Amount on File
Deed Sale	Nov 24, 2020 · Amount on File
Prior Sale	Aug 10, 2018 · Amount on File
Deed Document Number	2020747772
Prior Transfer Date	Apr 20, 2001
Prior Transfer Doc	0000259171
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	5186 VIA MALAGUENA, OCEANSIDE, CA 92057-2629
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WESTERN RESOURCES TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000369470
Date	Jul 10, 2020
Instrument	2020-0369470

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

November 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 24, 2020
Property Address	5186 VIA MALAGUENA, OCEANSIDE, CA 92057-2629
Document Number	0000747772
Map Reference	DOC 1995-222780
Instrument Date	Nov 17, 2020
Instrument	2020-0747772
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	TICOR TITLE COMPANY OF CA

Transaction

Amount	Amount on Record
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	5186 VIA MALAGUENA, OCEANSIDE, CA 92057-2629

Mortgage

Document Number	0000747773
Date	Nov 24, 2020
Instrument	2020-0747773

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 10, 2018
Property Address	5186 VIA MALAGUENA, OCEANSIDE, CA 92057-2629
Document Number	0000328895
Instrument Date	Jul 20, 2018
Instrument	328895
Transaction Type	Transfer
Record Updated	Aug 16, 2018
Title Company	WFG TITLE COMPANY/CA

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$687.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5186 VIA MALAGUENA OCEANSIDE CA 920572629, OCEANSIDE, CA 92057-2629

Mortgage

Document Number	328896
Date	Aug 10, 2018
Instrument	328896

Lender

Name	FIRST CHOICE LN SVCS
Type	Funding / Finance Company
Address	EAST BRUNSWICK, NJ 08816

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 9, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 5186 Via Malaguena was $8,559 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		$772,852 (+2%) Land $381,533 Building $391,319
2025	$8,559.00 Homeowner's exemption	$757,699 Land $374,052 Building $383,647
2023	$8,136.00 (+1.56%) Homeowner's exemption	$728,278 Land $359,528 Building $368,750
2022	$8,011.00

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

Flood

FEMA maps place 5186 Via Malaguena 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 5186 Via Malaguena is moderate, ranking above 51% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 51% of the US · lower than 69% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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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