314 Moonstone Bay Dr, Oceanside, CA 92057 Property Records

San Diego County property record for 314 Moonstone Bay Dr, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,576 sqft · built 1994
Lot Size	0.166 acres (7,237 sqft)
Owner	2 Individual Names on Record
Last Sale	$667,000 (Dec 2019)
Tax Bill	$8,244 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit Apr 2021 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`122-387-25-00`

Property Details

APN / Parcel Number

Primary APN	`122-387-25-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	2,576 sqft Living Area

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Lot Area	7,237 sqft (0.166 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	314 MOONSTONE BAY DR
City	OCEANSIDE
State	CA
Zip	92057-3424
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 531 TR 012382
Legal Subdivision	WHELAN RANCH
Legal Tract	012382
Legal Block	1
Legal Lot Number	531
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1011
Census Tract	18617

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	314 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3424
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 11, 2022	Deed of Trust, Mortgage · Line of Credit HOMEBRIDGE FINANCIAL SERVICES INC
Apr 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 23, 2019	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 3, 2018	Quit Claim Deed, Transfer Quitclaim
May 3, 2018	Quit Claim Deed, Transfer · Conventional Mortgage QUICKEN LNS
Aug 30, 2017	Quit Claim Deed, Transfer Quitclaim
Aug 28, 2017	Quit Claim Deed, Transfer · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 23, 2019 · Amount on Record
Deed Sale	Dec 23, 2019 · Amount on Record
Prior Sale	Aug 28, 2017
Deed Document Number	2019601695
Prior Transfer Date	Apr 25, 2018
Prior Transfer Doc	0000178139
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	314 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3424
Transaction Type	Mortgage
Record Updated	Apr 20, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	314 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3424

Mortgage

Document Number	0000156352
Date	Apr 11, 2022
Instrument	2022-0156352

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company
Address	ISELIN, NJ 08830

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 10, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	314 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3424
Transaction Type	Mortgage
Record Updated	May 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	314 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3424

Mortgage

Document Number	0000314926
Date	Apr 23, 2021
Instrument	2021-0314926

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Jan 1, 2051

December 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 23, 2019
Property Address	314 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3424
Document Number	0000601695
Map Reference	MAP 12382
Instrument Date	Dec 9, 2019
Instrument	2019-0601695
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	314 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3424

Mortgage

Document Number	0000601696
Date	Dec 23, 2019
Instrument	2019-0601696

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 3, 2018
Property Address	314 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3424
Document Number	0000178139
Instrument Date	Apr 25, 2018
Instrument	178139
Transaction Type	Transfer
Record Updated	Nov 20, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	314 MOONSTONE BAY DR OCEANSIDE CA 920573424, OCEANSIDE, CA 92057-3424

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 3, 2018
Property Address	314 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3424
Document Number	0000176535
Instrument Date	Apr 25, 2018
Instrument	176535
Transaction Type	Transfer
Record Updated	Nov 20, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	314 MOONSTONE BAY DR OCEANSIDE CA 920573424, OCEANSIDE, CA 92057-3424

Mortgage

Document Number	176536
Date	May 3, 2018
Instrument	176536

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 2, 2048

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 30, 2017
Property Address	314 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3424
Document Number	0000397398
Instrument Date	Aug 15, 2017
Instrument	397398
Transaction Type	Transfer
Record Updated	Sep 5, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	314 MOONSTONE BAY DR OCEANSIDE CA 920573424, OCEANSIDE, CA 92057-3424

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 28, 2017
Property Address	314 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3424
Document Number	0000392527
Instrument Date	Aug 15, 2017
Instrument	392527
Transaction Type	Transfer
Record Updated	Sep 1, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	314 MOONSTONE BAY DR OCEANSIDE CA 920573424, OCEANSIDE, CA 92057-3424

Mortgage

Document Number	392528
Date	Aug 28, 2017
Instrument	392528

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 27, 2047

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	Oceanside Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$744,045 (+2%) Land $183,423 Building $560,622
2025	$8,244.00 (+5.21%) Homeowner's exemption	$729,457 (+4.04%) Land $179,827 Building $549,630
2023	$7,836.00 (+1.56%) Homeowner's exemption	$701,133 Land $172,845 Building $528,288
2022	$7,716.00

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	2 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 65% of the US · lower than 79% of California
Wildfire Likelihood	0.05% 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.

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 447 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
San Diego Broadband Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

May also be available: T-Mobile.

Nearby Properties on Moonstone Bay Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures