5531 Old Ranch Rd, Unit 48, Oceanside, CA 92057 Property Records

San Diego County property record for 5531 Old Ranch Rd, Unit 48, Oceanside, CA 92057

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 1,405 sqft · built 2008
Lot Size	5.71 acres (249,092 sqft)
Owner	2 Individual Names on Record
Last Sale	$290,000 (Aug 2010)
Tax Bill	$4,151 (2025)
Deeds & Mortgages	Jul 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`157-411-21-48`

Property Details

APN / Parcel Number

Primary APN	`157-411-21-48`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,405 sqft Living Area

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Condo/Apartment
Lot Area	249,092 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	5531 OLD RANCH RD, 48
City	OCEANSIDE
State	CA
Zip	92057-5670
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RM-A-SP-EQ
Legal Description	LOT 2 US 48PER DOC06-270313&UND INT IN PHASE 3 TR 015292
Legal Subdivision	CASITAS AT SPRING CREEK THE
Legal Tract	015292
Legal Block	2
Legal Lot Number	2
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2000
Census Tract	19303

Owner

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	PO BOX 5553, OCEANSIDE, CA 92052-5553
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 20, 2010 · Amount on Record
Deed Sale	Aug 20, 2010 · Amount on Record
Prior Sale	Sep 28, 2009
Deed Document Number	2010432284
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	5531 OLD RANCH RD UNIT 48, 48, OCEANSIDE, CA 92057-5670
Transaction Type	Mortgage
Record Updated	Aug 3, 2022
Title Company	FIDELITY NATL TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5531 OLD RANCH RD 48, 48, OCEANSIDE, CA 92057-5670

Mortgage

Document Number	0000293685
Date	Jul 18, 2022
Instrument	2022-0293685

Lender

Name	SAN DIEGO COUNTY CU
Type	Credit Union
Address	SAN DIEGO, CA 92196

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	Aug 1, 2027
Change Frequency	5 Years
Min Rate At Change	2.75%
Max Rate At Change	5.37%
Index	5-Year CMT
Max Rate	8.37%

Tax Assessment & Valuation

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	Vista Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$378,826 (+2%) Land $130,672 Building $248,154
2025	$4,151.00 (+8.72%) Homeowner's exemption	$371,399 (+4.04%) Land $128,110 Building $243,289
2023	$3,818.00 (+0.29%) Homeowner's exemption	$356,980 Land $123,137 Building $233,843
2022	$3,807.00

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

Flood

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

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

Wildfire Risk	Low lower than 98% of the US · lower than 98.4% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 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