San Diego County property record for 5197 Mertensia St, Oceanside, CA 92056
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 2,715 sqft · built 1998 |
| Lot Size | 0.196 acres (8,556 sqft) |
| Owner | Trust Name on File |
| Last Sale | $1,259,000 (Dec 2022) |
| Tax Bill | $5,896 (2025) |
| Deeds & Mortgages | Dec 2022 Sale & Mortgage May 2021 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 169-571-01-00 |
| Primary APN | 169-571-01-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 2,715 sqft Living Area |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Lot Area | 8,556 sqft (0.196 acres) |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 5197 MERTENSIA ST |
|---|---|
| City | OCEANSIDE |
| State | CA |
| Zip | 92056-7272 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS |
| Legal Description | LOT 30 TR 012802 |
| Legal Subdivision | SOUTH RIDGE TRAILS |
| Legal Tract | 012802 |
| Legal Block | 1 |
| Legal Lot Number | 30 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | OCEANSIDE-ESCONDIDO |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 19808 |
5197 Mertensia St is owner-occupied and held in a trust since December 2022.
Source: San Diego County records, as of July 28, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 5197 MERTENSIA ST, OCEANSIDE, CA 92056-7272 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Living Trust |
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 22, 2022 | Grant Deed, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| May 13, 2021 | Intrafamily Transfer, Transfer AMROCK LLC |
| May 13, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage QUICKEN LOANS LLC |
| Nov 27, 2017 | Grant Deed, Transfer · ARM LUTHER BURBANK SAVINGS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 22, 2022 · Amount on File |
| Deed Sale | Dec 22, 2022 · Amount on File |
| Prior Sale | Nov 27, 2017 · Amount on File |
| Deed Document Number | 2022477417 |
| Prior Transfer Date | May 5, 2021 |
| Prior Transfer Doc | 0000367162 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Dec 22, 2022 |
| Property Address | 5197 MERTENSIA ST, OCEANSIDE, CA 92056-7272 |
| Document Number | 0000477417 |
| Map Reference | MAP 12802 |
| Instrument Date | Nov 30, 2022 |
| Instrument | 2022-0477417 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | TICOR TITLE CO SAN DIEGO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 5197 MERTENSIA ST, OCEANSIDE, CA 92056-7272 |
| Document Number | 0000477418 |
|---|---|
| Date | Dec 22, 2022 |
| Instrument | 2022-0477418 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2053 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | May 13, 2021 |
| Property Address | 5197 MERTENSIA ST, OCEANSIDE, CA 92056-7272 |
| Document Number | 0000367162 |
| Map Reference | MAP 12802 |
| Instrument Date | May 5, 2021 |
| Instrument | 2021-0367162 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | AMROCK LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 5197 MERTENSIA ST, OCEANSIDE, CA 92056-7272 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | May 13, 2021 |
| Property Address | 5197 MERTENSIA ST, OCEANSIDE, CA 92056-7272 |
| Document Number | 0000367160 |
| Map Reference | MAP 12802 |
| Instrument Date | May 5, 2021 |
| Instrument | 2021-0367160 |
| Transaction Type | Transfer |
| Record Updated | Jul 25, 2022 |
| Title Company | AMROCK INC, AMROCK LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5197 MERTENSIA ST, OCEANSIDE, CA 92056-7272 |
| Document Number | 0000367161 |
|---|---|
| Date | May 13, 2021 |
| Instrument | 2021-0367161 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Nov 27, 2017 |
| Property Address | 5197 MERTENSIA ST, OCEANSIDE, CA 92056-7272 |
| Document Number | 0000547985 |
| Map Reference | MAP12802 |
| Instrument Date | Oct 26, 2017 |
| Instrument | 2017-0547985 |
| Transaction Type | Transfer |
| Record Updated | Jul 25, 2022 |
| Title Company | TICOR TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 5197 MERTENSIA ST, OCEANSIDE, CA 92056-7272 |
| Document Number | 0000547986 |
|---|---|
| Date | Nov 27, 2017 |
| Instrument | 2017-0547986 |
| Name | LUTHER BURBANK SAVINGS |
|---|---|
| Type | Lending Institution |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 481 Months |
| Due | Dec 1, 2057 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.12% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Dec 1, 2022 |
| Change Frequency | Annually |
| Min Rate At Change | 2.62% |
| Max Rate At Change | 6.12% |
| Index | 1-Year LIBOR |
| Max Rate | 10.1% |
The 2025 property tax bill for 5197 Mertensia St was $5,896 with a homeowner's exemption.
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 | $534,895 (+2%) Land $361,055 Building $173,840 | |
| 2025 | $5,896.00 Homeowner's exemption | $524,408 Land $353,976 Building $170,432 |
| 2023 | $13,665.00 (+61.62%) | $1,259,000 (+63.31%) Land $850,000 Building $409,000 |
| 2022 | $8,455.00 Homeowner's exemption | $770,911 Land $471,768 Building $299,143 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 5197 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 5197 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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