San Diego County property record for 317 Moonstone Bay Dr, Oceanside, CA 92057
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,622 sqft · built 1991 |
| Lot Size | 0.172 acres (7,491 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $545,000 (Apr 2016) |
| Tax Bill | $6,899 (2025) |
| Deeds & Mortgages | Mar 2022 Mortgage Sep 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 122-398-27-00 |
| Primary APN | 122-398-27-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,622 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Contemporary |
| Exterior Material | Stucco |
| Roof Material | Tile |
| Lot Area | 7,491 sqft (0.172 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 317 MOONSTONE BAY DR |
|---|---|
| City | OCEANSIDE |
| State | CA |
| Zip | 92057-3426 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS |
| Legal Description | LOT 554 TR 012383 |
| Legal Subdivision | WHELAN RANCH |
| Legal Tract | 012383 |
| Legal Block | 1 |
| Legal Lot Number | 554 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | OCEANSIDE-ESCONDIDO |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 18609 |
317 Moonstone Bay Dr is owned and occupied by two individuals who bought it in April 2016.
Source: San Diego County records, as of July 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 317 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3426 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 14, 2022 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC |
| Sep 2, 2020 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 4, 2016 · Amount on File |
| Deed Sale | Apr 4, 2016 · Amount on File |
| Prior Sale | Aug 20, 2002 · Amount on File |
| Deed Document Number | 2016151987 |
| Prior Transfer Date | Oct 22, 2014 |
| Prior Transfer Doc | 0000506175 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 317 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3426 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2022 |
| Title Company | BOSTON NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 317 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3426 |
| Document Number | 0000112330 |
|---|---|
| Date | Mar 14, 2022 |
| Instrument | 2022-0112330 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 317 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3426 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | BNT TITLE COMPANY OF CA |
| Name | Verified Name |
|---|---|
| Address | 317 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3426 |
| Document Number | 0000506711 |
|---|---|
| Date | Sep 2, 2020 |
| Instrument | 2020-0506711 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
The 2025 property tax bill for 317 Moonstone Bay Dr was $6,899 with a veteran's exemption.
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 | Oceanside Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $658,062 (+2%) Land $222,201 Building $435,861 | |
| 2025 | $6,899.00 | $645,160 Land $217,845 Building $427,315 |
| 2023 | $6,715.00 (-0.12%) | $620,110 Land $209,387 Building $410,723 |
| 2022 | $6,723.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 317 Moonstone Bay Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1998.
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 | 6 in force |
| Nearby Flood Claims | 2 (1998–2018) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Nov 2018 · alluvial fan flooding |
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 risk around 317 Moonstone Bay Dr is low, with a 0.05% annual chance of 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.
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 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.
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