366 Moonstone Bay Dr, Oceanside, CA 92057 Property Records

San Diego County property record for 366 Moonstone Bay Dr, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,309 sqft · built 1991
Lot Size	0.413 acres (17,999 sqft)
Owner	Individual Name on Record
Last Sale	$600,000 (Oct 2017)
Tax Bill	$7,799 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Feb 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`122-397-18-00`

Property Details

APN / Parcel Number

Primary APN	`122-397-18-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,309 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Conventional
Exterior Material	Wood
Roof Material	Tile
Lot Area	17,999 sqft (0.413 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	366 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 593 TR 012383
Legal Subdivision	WHELAN RANCH
Legal Tract	012383
Legal Block	1
Legal Lot Number	593
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 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	366 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3424
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2025	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Feb 16, 2022	Deed of Trust, Mortgage · Commercial Mortgage HOMETAP INVESTMENT PARTNERS III SPV LLC
Aug 26, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Jul 25, 2019	Deed of Trust, Mortgage · VA Mortgage BNC NATIONAL BANK
Aug 25, 2020	Deed of Trust, Mortgage · VA Mortgage BNC NATIONAL BANK
Oct 27, 2017	Grant Deed, Transfer · VA Mortgage AMERICAN PREFERRED LENDING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 27, 2017 · Amount on Record
Deed Sale	Oct 27, 2017 · Amount on Record
Prior Sale	Feb 2, 2015 · Amount on Record
Deed Document Number	2017502842
Prior Transfer Date	Dec 10, 2015
Prior Transfer Doc	0000043936
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	366 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3424
Transaction Type	Mortgage
Record Updated	Nov 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	366 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3424

Mortgage

Document Number	0000310379
Date	Nov 4, 2025
Instrument	2025-0310379

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2055

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	366 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3424
Transaction Type	Mortgage
Record Updated	Feb 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2255 ILEX AVE, SAN DIEGO, CA 92154-3004

Mortgage

Document Number	0000071017
Date	Feb 16, 2022
Instrument	2022-0071017

Lender

Name	HOMETAP INVESTMENT PARTNERS III SPV LLC
Type	Non-Lending Institution
Address	BOSTON, MA 02199

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	366 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3424
Transaction Type	Mortgage
Record Updated	Sep 6, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2255 ILEX AVE, SAN DIEGO, CA 92154-3004

Mortgage

Document Number	0000606956
Date	Aug 26, 2021
Instrument	2021-0606956

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	366 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3424
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TIMIOS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000303665
Date	Jul 25, 2019
Instrument	2019-0303665

Lender

Name	BNC NATIONAL BANK
Type	Bank
Address	GLENDALE, AZ 85308

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	366 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3424
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000482376
Date	Aug 25, 2020
Instrument	2020-0482376

Lender

Name	BNC NATIONAL BANK
Type	Bank
Address	GLENDALE, AZ 85308

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 27, 2017
Property Address	366 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3424
Document Number	0000502842
Map Reference	MAP12383
Instrument Date	Oct 4, 2017
Instrument	2017-0502842
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
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
Address	366 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3424

Mortgage

Document Number	0000502843
Date	Oct 27, 2017
Instrument	2017-0502843

Lender

Name	AMERICAN PREFERRED LENDING
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 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		$696,344 (+2%) Land $332,252 Building $364,092
2025	$7,799.00 (+5.15%)	$682,691 (+4.04%) Land $325,738 Building $356,953
2023	$7,417.00 (+1.55%)	$656,183 Land $313,090 Building $343,093
2022	$7,304.00

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.

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