San Diego County property record for 5428 Stirrup Way, Oceanside, CA 92057
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,500 sqft · built 1981 |
| Lot Size | 0.103 acres (4,480 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $810,000 (Jul 2023) |
| Tax Bill | $9,305 (2025) |
| Deeds & Mortgages | Jul 2023 Sale & Mortgage Mar 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 157-351-09-00 |
| Primary APN | 157-351-09-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,500 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1981 |
| Architectural Style | Conventional |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Material | Wood Shingle |
| Lot Area | 4,480 sqft (0.103 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Old Parcel Number | 1575400900 |
|---|---|
| Street Address | 5428 STIRRUP WAY |
| City | OCEANSIDE |
| State | CA |
| Zip | 92057-5514 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-SP-EQ |
| Legal Description | LOT 9 TR 009592 |
| Legal Subdivision | SPRING CREEK |
| Legal Tract | 009592 |
| Legal Block | 2 |
| Legal Lot Number | 9 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | OCEANSIDE-ESCONDIDO |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 19303 |
Source: San Diego County records, as of July 28, 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 | 5428 STIRRUP WAY, OCEANSIDE, CA 92057-5514 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
| Date | Document |
|---|---|
| Jul 6, 2023 | Grant Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Mar 2, 2020 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Jan 10, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 6, 2023 · Amount on Record |
| Deed Sale | Jul 6, 2023 · Amount on Record |
| Prior Sale | Sep 15, 1988 · Amount on Record |
| Deed Document Number | 2023176223 |
| Prior Transfer Date | Jun 29, 2023 |
| Prior Transfer Doc | 0000176222 |
| Record Updated | Sep 20, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Jul 6, 2023 |
| Property Address | 5428 STIRRUP WAY, OCEANSIDE, CA 92057-5514 |
| Document Number | 0000176223 |
| Map Reference | MAP 9592 |
| Instrument Date | Jun 15, 2023 |
| Instrument | 2023-0176223 |
| Transaction Type | Transfer |
| Record Updated | Jul 18, 2023 |
| Title Company | WESTERN RESOURCES TITLE, WESTERN RESOURCES TITLE CO |
| Amount | Amount Recorded |
|---|---|
| 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 | Community Property with Right of Survivorship |
| Address | 5428 STIRRUP WAY, OCEANSIDE, CA 92057-5514 |
| Document Number | 0000176224 |
|---|---|
| Date | Jul 6, 2023 |
| Instrument | 2023-0176224 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 5428 STIRRUP WAY, OCEANSIDE, CA 92057-5514 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TICOR TITLE SAN DIEGO BRANCH |
| Name | Verified Name |
|---|
| Document Number | 0000107513 |
|---|---|
| Date | Mar 2, 2020 |
| Instrument | 2020-0107513 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Jan 10, 2018 |
| Property Address | 5428 STIRRUP WAY, OCEANSIDE, CA 92057-5514 |
| Document Number | 0000010574 |
| Instrument Date | Dec 29, 2017 |
| Instrument | 10574 |
| Transaction Type | Transfer |
| Record Updated | Jan 16, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 5428 STIRRUP WAY OCEANSIDE CA 920575514, OCEANSIDE, CA 92057-5514 |
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 | $842,724 (+2%) Land $624,240 Building $218,484 | |
| 2025 | $9,305.00 (+259.82%) Homeowner's exemption | $826,200 (+242.01%) Land $612,000 Building $214,200 |
| 2023 | $2,586.00 (+0.31%) Homeowner's exemption | $241,571 (+2%) Land $77,277 Building $164,294 |
| 2022 | $2,578.00 Homeowner's exemption | $236,835 Land $75,762 Building $161,073 |
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.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.2% of California |
|---|---|
| Wildfire Likelihood | Under 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 387 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Fiber · Cable in parts of the area | 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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