385 Moonstone Bay Dr, Oceanside, CA 92057 Property Records

San Diego County property record for 385 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	0.25 acres (10,893 sqft)
Owner	Company Name on Record
Last Sale	$515,000 (Aug 2015)
Tax Bill	$6,917 (2025)
Deeds & Mortgages	May 2023 Transfer Feb 2023 Line of Credit + 1 more
Flood Zone	Zone X (moderate risk)
APN	`122-385-04-00`

Property Details

APN / Parcel Number

Primary APN	`122-385-04-00`

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	10,893 sqft (0.25 acres)

Location & Zoning

Street Address	385 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 571 TR 012383
Legal Subdivision	WHELAN RANCH
Legal Tract	012383
Legal Block	1
Legal Lot Number	571
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	385 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3426
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
May 18, 2023	Intrafamily Transfer, Transfer
Feb 7, 2023	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Mar 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 27, 2015 · Amount on Record
Deed Sale	Aug 27, 2015 · Amount on Record
Prior Sale	Jun 4, 2001 · Amount on Record
Deed Document Number	2015454769
Last Transfer Date	May 6, 2023
Transfer Doc	0000130159
Record Updated	Sep 20, 2026

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	May 18, 2023
Property Address	385 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3426
Document Number	0000130159
Map Reference	MAP 12383
Instrument Date	May 6, 2023
Instrument	2023-0130159
Transaction Type	Transfer
Record Updated	May 29, 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	Family Trust
Address	385 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3426

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	385 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3426
Transaction Type	Mortgage
Record Updated	Feb 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	385 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3426

Mortgage

Document Number	0000031061
Date	Feb 7, 2023
Instrument	2023-0031061

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Feb 1, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	385 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3426
Transaction Type	Mortgage
Record Updated	Mar 24, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	385 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3426

Mortgage

Document Number	0000111753
Date	Mar 14, 2022
Instrument	2022-0111753

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2042

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		$621,839 (+2%) Land $183,331 Building $438,508
2025	$6,917.00 (+5.2%) Homeowner's exemption	$609,647 (+4.04%) Land $179,737 Building $429,910
2023	$6,575.00 (+1.58%) Homeowner's exemption	$585,975 Land $172,758 Building $413,217
2022	$6,473.00

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 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 53% of the US · lower than 68% of California
Wildfire Likelihood	0.2% 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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