353 Moonstone Bay Dr, Oceanside, CA 92057 Property Records

San Diego County property record for 353 Moonstone Bay Dr, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,591 sqft · built 1991
Lot Size	0.177 acres (7,704 sqft)
Owner	Individual Name on File
Last Sale	$187,000 (Nov 1994)
Tax Bill	$2,626 (2025)
Deeds & Mortgages	Mar 2024 Second Mortgage Feb 2019 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`122-397-13-00`

Property Details

APN / Parcel Number

Primary APN	`122-397-13-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,591 sqft Living Area

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Lot Area	7,704 sqft (0.177 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	353 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 563 TR 012383
Legal Subdivision	WHELAN RANCH
Legal Tract	012383
Legal Block	1
Legal Lot Number	563
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1000
Census Tract	18609

Owner

353 Moonstone Bay Dr is owned and occupied by an individual who bought it in November 1994.

Source: San Diego County records, as of July 28, 2026

Owner of Record	Individual Name on File
Mailing Address	353 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3426
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Feb 7, 2019	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MISSION FCU
Dec 9, 2020	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LOAN SERVICING LLC
Jan 8, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MISSION FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 23, 1994 · Amount on File
Deed Sale	Nov 23, 1994 · Amount on File
Prior Sale	Sep 22, 1994 · Amount on File
Deed Document Number	1994678614
Prior Transfer Date	Sep 21, 1994
Prior Transfer Doc	0000563774
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	353 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3426
Transaction Type	Mortgage
Record Updated	Mar 20, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	353 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3426

Mortgage

Document Number	0000060499
Date	Mar 11, 2024
Instrument	2024-0060499

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 7, 2054

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	353 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3426
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	353 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3426

Mortgage

Document Number	0000043756
Date	Feb 7, 2019
Instrument	2019-0043756

Lender

Name	MISSION FCU
Type	Credit Union
Address	SAN DIEGO, CA 92191

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2034

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	353 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3426
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	353 MOONSTONE BAY DR, CORAL GABLES, FL 33146

Mortgage

Document Number	0000789516
Date	Dec 9, 2020
Instrument	2020-0789516

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	357 Months
Due	Sep 1, 2050

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	353 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3426
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATL TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	353 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3426

Mortgage

Document Number	0000013406
Date	Jan 8, 2021
Instrument	2021-0013406

Lender

Name	MISSION FCU
Type	Credit Union
Address	SAN DIEGO, CA 92191

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 353 Moonstone Bay Dr was $2,626 with a veteran's exemption.

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		$402,899 (+2%) Land $94,212 Building $308,687
2025	$2,626.00 Homeowner's exemption	$395,000 Land $92,365 Building $302,635
2023	$4,282.00 (+1.57%) Homeowner's exemption	$379,663 Land $88,779 Building $290,884
2022	$4,216.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 353 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

Wildfire risk around 353 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.

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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