390 Moonstone Bay Dr, Oceanside, CA 92057 Property Records

San Diego County property record for 390 Moonstone Bay Dr, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,622 sqft · built 1993
Lot Size	0.203 acres (8,821 sqft)
Owner	Individual Name on Record
Last Sale	$186,000 (Dec 1992)
Tax Bill	$1,815 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Jun 2026 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`122-385-20-00`

Property Details

APN / Parcel Number

Primary APN	`122-385-20-00`

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 1993
Effective Year Built	Effective 1993
Lot Area	8,821 sqft (0.203 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	390 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 587 TR 012383
Legal Subdivision	WHELAN RANCH
Legal Tract	012383
Legal Block	1
Legal Lot Number	587
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 28, 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	390 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3424
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2026	Deed of Trust, Mortgage · Line of Credit CAPITAL LENDING
Jun 5, 2026	Gift Deed, Transfer NONE LISTED ON DOCUMENT
Nov 15, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Jun 7, 2021	Deed of Trust, Mortgage · VA Mortgage JWH FINANCIAL INC
May 23, 2018	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 29, 1992 · Amount on Record
Deed Sale	Dec 29, 1992 · Amount on Record
Deed Document Number	1992835174
Last Transfer Date	Jun 5, 2026
Transfer Doc	0000161954
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 25, 2026
Property Address	390 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3424
Document Number	0000182678
Instrument Date	Jun 17, 2026
Instrument	2026182678
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	390 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3424

Mortgage

Document Number	0000182678,
Date	Jun 25, 2026
Instrument	2026182678

Lender

Name	CAPITAL LENDING

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 17, 2056

Interest

Rate	6.51%
Max Rate	-1%

June 2026: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 5, 2026
Property Address	390 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3424
Document Number	0000161954
Instrument Date	Jun 5, 2026
Instrument	2026161954
Transaction Type	Transfer
Record Updated	Aug 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	390 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3424

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	390 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3424
Transaction Type	Mortgage
Record Updated	Dec 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	390 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3424

Mortgage

Document Number	0000317252
Date	Nov 15, 2023
Instrument	2023-0317252

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 10, 2053

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	390 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3424
Transaction Type	Mortgage
Record Updated	Jun 17, 2021
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	390 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3424

Mortgage

Document Number	0000420924
Date	Jun 7, 2021
Instrument	2021-0420924

Lender

Name	JWH FINANCIAL INC
Type	Funding / Finance Company
Address	IRVINE, CA 92614

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	390 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3424
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000207226
Date	May 23, 2018
Instrument	2018-0207226

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

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		$328,878 (+2%) Land $97,240 Building $231,638
2025	$1,815.00 (+0.39%) Veteran's exemption	$322,431 (+4.04%) Land $95,334 Building $227,097
2023	$1,808.00 (-3.21%)	$309,913 Land $91,633 Building $218,280
2022	$1,868.00

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
Nearest Special Flood Hazard Area	Zone AH, within 500 ft
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	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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