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Single Family ResidenceResidential
$834,191$362 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 93How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $191,000 on Jun 30, 1995

4490 OLD RIVER ST

OCEANSIDE, CA 92057
4
Beds
3
Baths
2,303 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.22 ac
Lot SizeThe size of the land the home sits on, from county records.
1996
Year BuiltThe year the home was originally built, according to county records.
3
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$834K
$779K low$889K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$191,000 · Jun 30, 1995
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$632,791
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$506,233
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.22%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$181,400
DIRECTORS MORTGAGE LOAN CORP · recorded Jun 30, 1995
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$20,000
WELLS FARGO BANK

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,754 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$327,037 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$70,055
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$256,982
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$320,626

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.50
51
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
74
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
22
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
15
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
89
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.15 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.0.2 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountySAN DIEGO
Lot (acres)The size of the land the home sits on, from county records.0.22
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Libby Elementary SchoolA-
Elementary · Grades KG–5 · 0.8 mi
H
El Camino High SchoolB+
High · Grades 9–12 · 1.7 mi
M
King Middle SchoolC+
Middle · Grades 6–8 · 2.0 mi

District: Oceanside Unified School District

Neighborhood · ZIP 92057These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.67
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.97
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.216

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.21%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.4%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.4%
PopulationHow many people live in this area.55,095
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.3,704 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$100,851
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$121,948
Average tempThe average temperature here across a full year.62°F
Annual precipHow much rain and melted snow falls here in a typical year.14 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.68%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

4490 Old River St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 65% of homes in North Valley
  • Costs less per square foot than 95% of homes in San Diego County
  • Bigger than 80% of homes in San Diego County
  • Newer than 73% of homes in Oceanside 92057

What homes are worth in Oceanside 92057

Each bar is how many homes fall in that price range. The marker is this home.

This home
$383K$1.4M

This home is worth more than 63% of homes in Oceanside 92057.

How it measures up in Oceanside 92057

The dot is this home. The mark in the middle is the typical home in Oceanside 92057.

Estimated value$834,191
CheaperTypical $747,505Pricier

Pricier than 63% of homes nearby

Price per ft²$362
CheaperTypical $473Pricier

Pricier than 13% of homes nearby

Living area2,303 ft²
SmallerTypical 1,498 ft²Bigger

Bigger than 78% of homes nearby

Lot size0.22 ac
SmallerTypical 0.26 acBigger

Bigger than 42% of homes nearby

Year built1996
OlderTypical 1988Newer

Newer than 73% of homes nearby

How 4490 Old River St ranks against every home in each area.
MeasureThis homeNorth ValleyOceanside 92057San Diego County
Estimated valuepricier than$834,19165% of homes63% of homes44% of homes
Price per ft²pricier than$36215% of homes13% of homes5% of homes
Living areabigger than2,303 ft²77% of homes78% of homes80% of homes
Lot sizebigger than0.22 ac56% of homes42% of homes45% of homes
Year builtnewer than199670% of homes73% of homes70% of homes

About 4490 Old River St

How much is 4490 Old River St, Oceanside, CA worth?

The TopHap Estimate for 4490 Old River St, Oceanside, CA is $834,191 as of Jul 14, 2026. The likely range is $779,004 to $889,378. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 4490 Old River St, Oceanside, CA last sell?

4490 Old River St, Oceanside, CA last sold on Jun 30, 1995 for $191,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 4490 Old River St, Oceanside, CA?

4490 Old River St, Oceanside, CA has 4 bedrooms, 3 bathrooms, 2,303 square feet of living space and a 0.22-acre lot.

When was 4490 Old River St, Oceanside, CA built?

4490 Old River St, Oceanside, CA was built in 1996, making it 30 years old.

What schools serve 4490 Old River St, Oceanside, CA?

4490 Old River St, Oceanside, CA is assigned to Libby Elementary School (elementary), rated A-; El Camino High School (high), rated B+; King Middle School (middle), rated C+. All sit in Oceanside Unified School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 4490 Old River St, Oceanside, CA compare to other homes in Oceanside 92057?

Among the 18,276 homes in Oceanside 92057, it is worth more than 63% of them ($834,191 against a typical $747,505), its price per square foot is higher than 13% of them ($362 against a typical $473), it is bigger than 78% of them (2,303 ft² against a typical 1,498 ft²), its lot is bigger than 42% of them (0.22 ac against a typical 0.26 ac) and it is newer than 73% of them (1996 against a typical 1988). Measured against all of San Diego County, it is worth more than 44% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 4490 Old River St, Oceanside, CA?

The 2025 property tax bill for 4490 Old River St, Oceanside, CA was $3,754. The county assessed it at $327,037.

Closest homes

More homes in Oceanside 92057

Assigned schools

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