322 Moonstone Bay Dr, Oceanside, CA 92057 Property Records

San Diego County property record for 322 Moonstone Bay Dr, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,622 sqft · built 1991
Lot Size	0.343 acres (14,928 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,000,000 (Jun 2025)
Tax Bill	$8,382 (2025)
Deeds & Mortgages	Jan 2019 Sale & Mortgage Jul 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`122-387-31-00`

Property Details

APN / Parcel Number

Primary APN	`122-387-31-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,622 sqft Living Area

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Lot Area	14,928 sqft (0.343 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	322 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 604 TR 012383
Legal Subdivision	WHELAN RANCH
Legal Tract	012383
Legal Block	1
Legal Lot Number	604
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	322 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3424
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jan 8, 2019	Grant Deed, Transfer · Conventional with PMI BANK OF AMERICA
Jul 24, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
May 11, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 20, 2025 · Amount on Record
Deed Sale	Jun 20, 2025 · Amount on Record
Prior Sale	Jan 8, 2019 · Amount on Record
Deed Document Number	2025164094
Prior Transfer Date	Jun 6, 1996
Prior Transfer Doc	0000292989
Record Updated	Oct 29, 2026

January 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 8, 2019
Property Address	322 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3424
Document Number	0000007610
Instrument Date	Dec 7, 2018
Instrument	7610
Transaction Type	Transfer
Record Updated	Jan 15, 2019
Title Company	TICOR TITLE SAN DIEGO BR

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$731.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	322 MOONSTONE BAY DR OCEANSIDE CA 920573424, OCEANSIDE, CA 92057-3424

Mortgage

Document Number	7611
Date	Jan 8, 2019
Instrument	7611

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 7, 2049

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	322 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3424
Document Number	0000346635
Instrument Date	Jul 24, 2017
Transaction Type	Mortgage
Record Updated	Aug 7, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	322 MOONSTONE BAY DR OCEANSIDE CA 920573424, OCEANSIDE, CA 92057-3424

Mortgage

Document Number	0000346635
Date	Aug 1, 2017
Instrument	346635

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 31, 2032

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	322 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3424
Document Number	0000225158
Instrument Date	May 11, 2017
Transaction Type	Mortgage
Record Updated	May 30, 2017
Title Company	TSI TITLE COMPANY, TSI TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	322 MOONSTONE BAY DR OCEANSIDE CA 920573424, OCEANSIDE, CA 92057-3424

Mortgage

Document Number	0000225158
Date	May 19, 2017
Instrument	225158

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 18, 2032

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		$1,020,000 (+37.5%) Land $754,800 Building $265,200
2025	$8,382.00 (+5.21%) Homeowner's exemption	$741,814 (+4.04%) Land $372,581 Building $369,233
2023	$7,967.00 (+1.56%) Homeowner's exemption	$713,011 Land $358,114 Building $354,897
2022	$7,845.00

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