397 Moonstone Bay Dr, Oceanside, CA 92057 Property Records

San Diego County property record for 397 Moonstone Bay Dr, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,031 sqft · built 1997
Lot Size	0.194 acres (8,439 sqft)
Owner	2 Company Names on Record
Last Sale	$970,000 (May 2026)
Tax Bill	$3,841 (2025)
Deeds & Mortgages	Oct 2026 Sale Jul 2026 Mortgage + 5 more
Flood Zone	Zone X (moderate risk)
APN	`122-385-07-00`

Property Details

APN / Parcel Number

Primary APN	`122-385-07-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	2,031 sqft Living Area

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Lot Area	8,439 sqft (0.194 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	397 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 574 TR 12383
Legal Subdivision	WHELAN RANCH
Legal Tract	12383
Legal Block	1
Legal Lot Number	574
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 October 14, 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	397 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3426
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Jul 14, 2026	Deed of Trust, Mortgage · Conventional Mortgage HOMETOWN EQUITY MORTGAGE
May 4, 2026	Grant Deed, Transfer · Conventional Mortgage LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY
Sep 14, 2021	Intrafamily Transfer, Transfer
Mar 13, 2018	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Mar 1, 2018	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Jul 7, 2020	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 4, 2026 · Amount on Record
Deed Sale	May 4, 2026 · Amount on Record
Prior Sale	Jul 7, 2020 · Amount on Record
Deed Document Number	2026126220
Prior Transfer Date	Oct 3, 2007
Prior Transfer Doc	0000751661
Record Updated	Oct 29, 2026

October 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 6, 2026
Property Address	397 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3426
Document Number	0000290428
Instrument Date	Sep 30, 2026
Instrument	2026290428
Transaction Type	Transfer
Record Updated	Oct 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	397 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3426

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 14, 2026
Property Address	397 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3426
Document Number	0000200758
Instrument Date	Jul 9, 2026
Instrument	2026200758
Transaction Type	Mortgage
Record Updated	Jul 22, 2026
Title Company	TICOR TITLE COMPANY OC, TICOR TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	397 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3426

Mortgage

Document Number	0000200758,
Date	Jul 14, 2026
Instrument	2026200758

Lender

Name	HOMETOWN EQUITY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.52%
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 4, 2026
Property Address	397 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3426
Document Number	0000126220
Instrument Date	Apr 16, 2026
Instrument	2026.126220
Transaction Type	Transfer
Record Updated	May 13, 2026
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$107,767.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	397 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3426

Mortgage

Document Number	0000126221,
Date	May 4, 2026
Instrument	2026..126221

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	6.22%
Max Rate	-1%

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 14, 2021
Property Address	397 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3426
Document Number	0000648134
Map Reference	MAP 12383
Instrument Date	May 1, 2021
Instrument	2021-0648134
Transaction Type	Transfer
Record Updated	Jun 7, 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
Address	397 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3426

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	397 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3426
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000097767
Date	Mar 13, 2018
Instrument	2018-0097767

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 22, 2048

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	397 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3426
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000080693
Date	Mar 1, 2018
Instrument	2018-0080693

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2048

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 7, 2020
Property Address	397 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3426
Document Number	0000356146
Map Reference	MAP 12383
Instrument Date	Jun 1, 2020
Instrument	2020-0356146
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	LAWYERS TITLE COMPANY

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	Joint Tenants
Address	397 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3426

Mortgage

Document Number	0000356147
Date	Jul 7, 2020
Instrument	2020-0356147

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

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		$342,188 (+2%) Land $60,223 Building $281,965
2025	$3,841.00 (+1.99%) Homeowner's exemption	$335,480 (+4.04%) Land $59,043 Building $276,437
2024	$3,766.00 (+3.18%)
2023	$3,650.00 (+1.59%) Homeowner's exemption	$322,454 Land $56,751 Building $265,703
2022	$3,593.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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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