325 Moonstone Bay Dr, Oceanside, CA 92057 Property Records

San Diego County property record for 325 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	0.209 acres (9,089 sqft)
Owner	Company Name on Record
Last Sale	$221,700 (May 1991)
Tax Bill	$5,273 (2025)
Deeds & Mortgages	Oct 2022 Transfer Apr 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`122-398-29-00`

Property Details

APN / Parcel Number

Primary APN	`122-398-29-00`

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	9,089 sqft (0.209 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	325 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 556 TR 012383
Legal Subdivision	WHELAN RANCH
Legal Tract	012383
Legal Block	1
Legal Lot Number	556
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1000
Census Tract	18609

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	Company Name on Record
Mailing Address	325 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3426
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2022	Intrafamily Transfer, Transfer
Apr 1, 2022	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Oct 28, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Jun 8, 2017	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 31, 1991 · Amount on Record
Deed Sale	May 31, 1991 · Amount on Record
Deed Document Number	1991258224
Last Transfer Date	Oct 20, 2022
Transfer Doc	0000411451
Record Updated	Sep 20, 2026

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 26, 2022
Property Address	325 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3426
Document Number	0000411451
Map Reference	MAP 12383
Instrument Date	Oct 20, 2022
Instrument	2022-0411451
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	325 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3426

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	325 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3426
Transaction Type	Mortgage
Record Updated	Apr 19, 2022
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	325 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3426

Mortgage

Document Number	0000142164
Date	Apr 1, 2022
Instrument	2022-0142164

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Mar 24, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 28, 2021
Property Address	325 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3426
Document Number	0000752127
Map Reference	MAP 12383
Instrument Date	Oct 22, 2021
Instrument	2021-0752127
Transaction Type	Transfer
Record Updated	Nov 5, 2021
Title Company	STEWART TITLE OF CA INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	325 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3426

Mortgage

Document Number	0000752128
Date	Oct 28, 2021
Instrument	2021-0752128

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2036

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	325 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3426
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000256641
Date	Jun 8, 2017
Instrument	2017-0256641

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	419 Months
Due	May 25, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$472,884 (+2%) Land $113,212 Building $359,672
2025	$5,273.00 (+5.21%) Homeowner's exemption	$463,613 (+4.04%) Land $110,993 Building $352,620
2023	$5,012.00 (+1.58%) Homeowner's exemption	$445,612 Land $106,684 Building $338,928
2022	$4,934.00

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	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

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.

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