San Diego County property record for 5285 Village Dr, Oceanside, CA 92057
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 3,840 sqft · built 2005 |
| Lot Size | 0.154 acres (6,721 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $705,000 (Jan 2019) |
| Tax Bill | $26,601 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit Oct 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 122-523-46-00 |
| Primary APN | 122-523-46-00 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 3,840 sqft Living Area |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Lot Area | 6,721 sqft (0.154 acres) |
| Parking Spaces | 3 Parking Spaces |
| Street Address | 5285 VILLAGE DR |
|---|---|
| City | OCEANSIDE |
| State | CA |
| Zip | 92057-1934 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RE-B-MP-1 |
| Legal Description | LOT 46 TR 014866 |
| Legal Subdivision | MORRO HILLS VILLAGE |
| Legal Tract | 014866 |
| Legal Block | 4 |
| Legal Lot Number | 46 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | OCEANSIDE-ESCONDIDO |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 18619 |
5285 Village Dr is owned and occupied by two individuals who bought it in January 2019.
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 | 5285 VILLAGE DR, OCEANSIDE, CA 92057-1934 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Dec 1, 2025 | Deed of Trust, Mortgage · Line of Credit FREEDOM MORTGAGE CORP |
| Oct 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Jul 15, 2021 | Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC |
| Jun 1, 2021 | Deed of Trust, Mortgage · FHA Mortgage DHI MORTGAGE COMPANY LTD |
| Jan 8, 2019 | Grant Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 8, 2019 · Amount on File |
| Deed Sale | Jan 8, 2019 · Amount on File |
| Prior Sale | Dec 30, 2010 · Amount on File |
| Deed Document Number | 20197417 |
| Prior Transfer Date | Oct 23, 2014 |
| Prior Transfer Doc | 0000468875 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 5285 VILLAGE DR, OCEANSIDE, CA 92057-1934 |
| Transaction Type | Mortgage |
| Record Updated | Dec 10, 2025 |
| Name | Verified Name |
|---|---|
| Address | 5285 VILLAGE DR, OCEANSIDE, CA 92057-1934 |
| Document Number | 0000337996 |
|---|---|
| Date | Dec 1, 2025 |
| Instrument | 2025-0337996 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Nov 30, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 5285 VILLAGE DR, OCEANSIDE, CA 92057-1934 |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2021 |
| Title Company | LAWYERS TITLE |
| Name | Verified Name |
|---|---|
| Address | 5285 VILLAGE DR, OCEANSIDE, CA 92057-1934 |
| Document Number | 0000737118 |
|---|---|
| Date | Oct 22, 2021 |
| Instrument | 2021-0737118 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 5285 VILLAGE DR, OCEANSIDE, CA 92057-1934 |
| Transaction Type | Mortgage |
| Record Updated | Jul 26, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 5285 VILLAGE DR, OCEANSIDE, CA 92057-1934 |
| Document Number | 0000507421 |
|---|---|
| Date | Jul 15, 2021 |
| Instrument | 2021-0507421 |
| Name | NEWREZ LLC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92602 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 331 Months |
| Due | Feb 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 5285 VILLAGE DR, OCEANSIDE, CA 92057-1934 |
| Transaction Type | Mortgage |
| Record Updated | Jun 10, 2021 |
| Name | Verified Name |
|---|---|
| Address | 5285 VILLAGE DR, OCEANSIDE, CA 92057-1934 |
| Document Number | 0000406457 |
|---|---|
| Date | Jun 1, 2021 |
| Instrument | 2021-0406457 |
| Name | DHI MORTGAGE COMPANY LTD |
|---|---|
| Type | Mortgage Company |
| Address | DALLAS, TX 75201 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 332 Months |
| Due | Feb 1, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Jan 8, 2019 |
| Property Address | 5285 VILLAGE DR, OCEANSIDE, CA 92057-1934 |
| Document Number | 0000007417 |
| Map Reference | MAP 14866 |
| Instrument Date | Dec 17, 2018 |
| Instrument | 2019-0007417 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Title Company | STEWART TITLE CO |
| 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 | Joint Tenants |
| Address | 6033 PASEO HERMOSA, CARLSBAD, CA 92009-2223 |
| Document Number | 0000007418 |
|---|---|
| Date | Jan 8, 2019 |
| Instrument | 2019-0007418 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2049 |
The 2025 property tax bill for 5285 Village Dr was $26,601.
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 | Bonsall Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $802,163 (+2%) Land $271,343 Building $530,820 | |
| 2025 | $26,601.00 | $786,435 Land $266,023 Building $520,412 |
| 2023 | $10,591.00 (+1.32%) | $755,898 Land $255,694 Building $500,204 |
| 2022 | $10,453.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 5285 Village Dr 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 | 3 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 5285 Village Dr 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 70% 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.
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 469 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
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