393 Moonstone Bay Dr, Oceanside, CA 92057 Property Records

San Diego County property record for 393 Moonstone Bay Dr, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,309 sqft · built 1993
Lot Size	0.185 acres (8,037 sqft)
Owner	2 Company Names on Record
Last Sale	$1,050,000 (Aug 2024)
Tax Bill	$11,904 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Feb 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`122-385-06-00`

Property Details

APN / Parcel Number

Primary APN	`122-385-06-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,309 sqft Living Area

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Lot Area	8,037 sqft (0.185 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	393 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 573 TR 012383
Legal Subdivision	WHELAN RANCH
Legal Tract	012383
Legal Block	1
Legal Lot Number	573
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 August 26, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	1141 CHAMPIONSHIP RD, OCEANSIDE, CA 92057-1941
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 19, 2022	Grant Deed, Transfer · Conventional Mortgage CALCON MUTUAL MORTGAGE LLC
Feb 8, 2022	Grant Deed, Transfer · Commercial Mortgage ANCHOR LOANS INC
Feb 3, 2022	Grant Deed, Transfer · Commercial Mortgage ANCHOR LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 15, 2024 · Amount on Record
Deed Sale	Aug 15, 2024 · Amount on Record
Prior Sale	Jul 19, 2022 · Amount on Record
Deed Document Number	2024217483
Record Updated	Oct 29, 2026

July 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 19, 2022
Property Address	393 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3426
Document Number	0000295627
Map Reference	MAP 12383
Instrument Date	Jun 10, 2022
Instrument	2022-0295627
Transaction Type	Transfer
Record Updated	Jul 28, 2022
Title Company	TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH

Transaction

Amount	Amount Recorded
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	Community Property
Address	393 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3426

Mortgage

Document Number	0000295628
Date	Jul 19, 2022
Instrument	2022-0295628

Lender

Name	CALCON MUTUAL MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

February 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 8, 2022
Property Address	393 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3426
Document Number	0000058917
Map Reference	MAP 12383
Instrument Date	Jan 31, 2022
Instrument	2022-0058917
Transaction Type	Transfer
Record Updated	Aug 3, 2023
Title Company	TICOR TITLE SAN DIEGO BRANCH

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	329 KILKENNY DR, CARDIFF, CA 92007-2101
Investor	Possibly a Property Investor

Mortgage

Document Number	0000058918
Date	Feb 8, 2022
Instrument	2022-0058918

Lender

Name	ANCHOR LOANS INC
Type	Mortgage Company

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Mortgage

Document Number	0000058919
Date	Feb 8, 2022
Instrument	2022-0058919

Lender

Name	MAO INVESTMENTS LLC
Type	Non-Lending Institution
Address	LA JOLLA, CA 92037

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

February 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 3, 2022
Property Address	393 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3426
Document Number	0000053308
Map Reference	MAP 12383
Instrument Date	Jan 21, 2022
Instrument	2022-0053308
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH

Transaction

Amount	Amount Recorded
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
Investor	Possibly a Property Investor

Mortgage

Document Number	0000053309
Date	Feb 3, 2022
Instrument	2022-0053309

Lender

Name	ANCHOR LOANS INC
Type	Mortgage Company

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

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		$1,071,000 (+2%) Land $765,000 Building $306,000
2025	$11,904.00 (+7.93%)	$1,050,000 (+6.06%) Land $750,000 Building $300,000
2023	$11,029.00 (+133.67%) Homeowner's exemption	$990,000 Land $678,000 Building $312,000
2022	$4,720.00

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
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	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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