San Diego County property record for 5431 Stirrup Way, Oceanside, CA 92057
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,836 sqft · built 1981 |
| Lot Size | 0.135 acres (5,873 sqft) |
| Owner | Individual Name on File |
| Last Sale | $700,000 (Nov 2025) |
| Tax Bill | $5,400 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Nov 2025 Transfer + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 157-351-23-00 |
| Primary APN | 157-351-23-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,836 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 | 5,873 sqft (0.135 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Old Parcel Number | 1575402300 |
|---|---|
| Street Address | 5431 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 23 TR 009592 |
| Legal Subdivision | SPRING CREEK |
| Legal Tract | 009592 |
| Legal Block | 2 |
| Legal Lot Number | 23 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | OCEANSIDE-ESCONDIDO |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 19303 |
Source: San Diego County records · APN 157-351-23-00
Assessment roll updated July 21, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 5431 STIRRUP WAY, OCEANSIDE, CA 92057-5514 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Sole Owner |
| Date | Document |
|---|---|
| Mar 23, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Nov 18, 2025 | Intrafamily Transfer, Transfer WESTERN RESOURCES TITLE |
| Nov 18, 2025 | Grant Deed, Transfer · VA Mortgage ROCKET MORTGAGE LLC |
| Feb 04, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Mar 15, 2017 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 18, 2025 · Amount on Record |
| Deed Sale | Nov 18, 2025 · Amount on Record |
| Prior Sale | Aug 26, 2025 · Amount on Record |
| Deed Document Number | 2025325898 |
| Prior Transfer Date | Nov 03, 2025 |
| Prior Transfer Doc | 0000325897 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 5431 STIRRUP WAY, OCEANSIDE, CA 92057-5514 |
| Transaction Type | Mortgage |
| Record Updated | Jun 08, 2026 |
| Name | Verified Name |
|---|---|
| Address | 5431 STIRRUP WAY, OCEANSIDE, CA 92057-5514 |
| Document Number | 0000223742 |
|---|---|
| Date | Mar 23, 2021 |
| Instrument | 2021-0223742 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Nov 18, 2025 |
| Property Address | 5431 STIRRUP WAY, OCEANSIDE, CA 92057-5514 |
| Document Number | 0000325897 |
| Map Reference | MAP 9592 |
| Instrument Date | Nov 03, 2025 |
| Instrument | 2025-0325897 |
| Transaction Type | Transfer |
| Record Updated | Dec 01, 2025 |
| Title Company | WESTERN RESOURCES TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5431 STIRRUP WAY, OCEANSIDE, CA 92057-5514 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Nov 18, 2025 |
| Property Address | 5431 STIRRUP WAY, OCEANSIDE, CA 92057-5514 |
| Document Number | 0000325898 |
| Map Reference | MAP 9592 |
| Instrument Date | Oct 01, 2025 |
| Instrument | 2025-0325898 |
| Transaction Type | Transfer |
| Record Updated | Dec 01, 2025 |
| Title Company | WESTERN RESOURCES TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5431 STIRRUP WAY, OCEANSIDE, CA 92057-5514 |
| Document Number | 0000325899 |
|---|---|
| Date | Nov 18, 2025 |
| Instrument | 2025-0325899 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 5431 STIRRUP WAY, OCEANSIDE, CA 92057-5514 |
| Document Number | 0000063557 |
| Instrument Date | Feb 04, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 18, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 117 MOONSTONE CT JACKSONVILLE NC 285468741, JACKSONVILLE, NC 28546-8741 |
| Document Number | 0000063557 |
|---|---|
| Date | Feb 07, 2020 |
| Instrument | 63557 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 06, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 5431 STIRRUP WAY, OCEANSIDE, CA 92057-5514 |
| Document Number | 0000131401 |
| Instrument Date | Mar 15, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Mar 28, 2017 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Address | 5431 STIRRUP WAY OCEANSIDE CA 920575514, OCEANSIDE, CA 92057-5514 |
| Document Number | 0000131401 |
|---|---|
| Date | Mar 23, 2017 |
| Instrument | 131401 |
| Name | PENNYMAC |
|---|---|
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 22, 2047 |
Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Municipality | Oceanside City |
| Unified School District | Vista Unified School District (KG - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $925,000 (+92.54%) Land $740,000 Building $185,000 | |
| 2025 | $5,400.00 (+8.72%) Homeowner's exemption | $480,428 (+4.04%) Land $230,606 Building $249,822 |
| 2023 | $4,967.00 (+0.28%) Homeowner's exemption | $461,774 Land $221,652 Building $240,122 |
| 2022 | $4,953.00 |
Source: FEMA National Flood Hazard Layer as of September 3, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| 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 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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 USA Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
Based on FCC filings for 387 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF OCEANSIDE serves 174,340 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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