398 Moonstone Bay Dr, Oceanside, CA 92057 Property Records

San Diego County property record for 398 Moonstone Bay Dr, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,149 sqft · built 1997
Lot Size	0.256 acres (11,163 sqft)
Owner	2 Individual Names on Record
Last Sale	$900,000 (Sep 2022)
Tax Bill	$10,634 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Apr 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`122-385-18-00`

Property Details

APN / Parcel Number

Primary APN	`122-385-18-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,149 sqft Living Area

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Lot Area	11,163 sqft (0.256 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	398 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 585 TR 012383
Legal Subdivision	WHELAN RANCH
Legal Tract	012383
Legal Block	1
Legal Lot Number	585
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	398 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3424
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2022	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 5, 2022	Grant Deed, Transfer · Commercial Mortgage CERTAIN LENDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 23, 2022 · Amount on Record
Deed Sale	Sep 23, 2022 · Amount on Record
Prior Sale	Apr 5, 2022 · Amount on Record
Deed Document Number	2022373985
Prior Transfer Date	Aug 18, 2006
Prior Transfer Doc	0000607020
Record Updated	Oct 29, 2026

September 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 23, 2022
Property Address	398 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3424
Document Number	0000373985
Map Reference	MAP 12383
Instrument Date	Sep 2, 2022
Instrument	2022-0373985
Transaction Type	Transfer
Record Updated	Oct 4, 2022
Title Company	TICOR TITLE COMPANY/CA SAN DIEGO, TICOR TITLE CO SAN DIEGO

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 with Right of Survivorship
Address	398 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3424

Mortgage

Document Number	0000373986
Date	Sep 23, 2022
Instrument	2022-0373986

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

April 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 5, 2022
Property Address	398 MOONSTONE BAY DR, OCEANSIDE, CA 92057-3424
Document Number	0000149541
Map Reference	MAP 12383
Instrument Date	Mar 28, 2022
Instrument	2022-0149541
Transaction Type	Transfer
Record Updated	Apr 13, 2022
Title Company	TICOR TITLE COMPANY/CA, TICOR TITLE COMPANY SD

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
Address	215 LA COSTA AVE, ENCINITAS, CA 92024-1110

Mortgage

Document Number	0000149542
Date	Apr 5, 2022
Instrument	2022-0149542

Lender

Name	CERTAIN LENDING INC
Type	Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	13 Months
Due	May 1, 2023

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		$955,084 (+2%) Land $255,683 Building $699,401
2025	$10,634.00 (+5.16%)	$936,358 (+4.04%) Land $250,670 Building $685,688
2023	$10,112.00 (+177.8%)	$900,000 Land $240,937 Building $659,063
2022	$3,640.00

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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