369 Moonstone Bay Dr, Oceanside, CA 92057 Property Records

San Diego County property record for 369 Moonstone Bay Dr, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,591 sqft · built 1993
Lot Size	0.362 acres (15,753 sqft)
Owner	2 Individual Names on File
Last Sale	$995,000 (Apr 2023)
Tax Bill	$11,750 (2025)
Deeds & Mortgages	Apr 2023 Sale & Mortgage Oct 2022 Second Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`122-397-17-00`

Property Details

APN / Parcel Number

Primary APN	`122-397-17-00`

Interior

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

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Lot Area	15,753 sqft (0.362 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	369 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 567 TR 012383
Legal Subdivision	WHELAN RANCH
Legal Tract	012383
Legal Block	1
Legal Lot Number	567
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1000
Census Tract	18609

Owner

369 Moonstone Bay Dr is owned and occupied by two individuals who bought it in April 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	369 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.

Deeds, Mortgages & Sale History

Date	Document
Apr 19, 2023	Grant Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE
Oct 27, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
May 6, 2021	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC
Feb 14, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 19, 2023 · Amount on File
Deed Sale	Apr 19, 2023 · Amount on File
Prior Sale	Aug 11, 2020 · Amount on File
Deed Document Number	2023102080
Prior Transfer Date	Feb 2, 2017
Prior Transfer Doc	0000073763
Record Updated	Sep 20, 2026

April 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 19, 2023
Property Address	369 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3426
Document Number	0000102080
Map Reference	MAP 12383
Instrument Date	Mar 24, 2023
Instrument	2023-0102080
Transaction Type	Transfer
Record Updated	Apr 28, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TTL SAN DIEGO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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
Relationship	Joint Tenants
Address	369 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3426

Mortgage

Document Number	0000102081
Date	Apr 19, 2023
Instrument	2023-0102081

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	369 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3426
Transaction Type	Mortgage
Record Updated	Nov 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	369 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3426

Mortgage

Document Number	0000413176
Date	Oct 27, 2022
Instrument	2022-0413176

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2042

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	369 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3426
Transaction Type	Mortgage
Record Updated	Jun 30, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	369 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3426

Mortgage

Document Number	0000350470
Date	May 6, 2021
Instrument	2021-0350470

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2051

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 14, 2017
Property Address	369 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3426
Document Number	0000073763
Instrument Date	Feb 2, 2017
Instrument	73763
Transaction Type	Transfer
Record Updated	Feb 21, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	396 MOONSTONE BAY DR OCEANSIDE CA 92057, OCEANSIDE, CA 92057

Tax Assessment & Valuation

The 2025 property tax bill for 369 Moonstone Bay Dr was $11,750, up 1.9% from the year before.

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		$1,055,899 (+2%) Land $268,834 Building $787,065
2025	$11,750.00 (+1.93%)	$1,035,196 Land $263,563 Building $771,633
2024	$11,527.00 (+40.15%)
2023	$8,225.00 (+1.54%)	$728,278 Land $185,422 Building $542,856
2022	$8,100.00

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

Flood

FEMA maps place 369 Moonstone Bay Dr in Zone X, an area of moderate 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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 369 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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