4242 Arcata Bay Way, Oceanside, CA 92058 Property Records

San Diego County property record for 4242 Arcata Bay Way, Oceanside, CA 92058

Property Summary

Property Type	Condominium
Details	3 bd · 2 ba · 1,201 sqft · built 1982
Lot Size	2.56 acres (111,771 sqft)
Owner	2 Individual Names on File
Last Sale	$345,000 (Jul 2017)
Tax Bill	$4,353 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Jul 2017 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`157-550-27-36`

Property Details

APN / Parcel Number

Primary APN	`157-550-27-36`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,201 sqft Living Area

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Architectural Style	Condo/Apartment
Lot Area	111,771 sqft
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	4242 ARCATA BAY WAY
City	OCEANSIDE
State	CA
Zip	92058-6911
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RM-B
Legal Description	LOT 140 US292PER DOC81-201413&UND INT IN LOTS 138&139& TR 009745
Legal Subdivision	WHELAN RANCH
Legal Tract	009745
Legal Block	2
Legal Lot Number	138-1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2007
Census Tract	18608

Owner

4242 Arcata Bay Way, a condominium, is owned and occupied by two individuals who bought it in July 2017.

Source: San Diego County records, as of July 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4242 ARCATA BAY WAY, OCEANSIDE, CA 92058-6911
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jul 27, 2017	Grant Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2017 · Amount on File
Deed Sale	Jul 27, 2017 · Amount on File
Prior Sale	Apr 21, 2009 · Amount on File
Deed Document Number	2017339176
Prior Transfer Date	Apr 9, 2009
Prior Transfer Doc	0000204428
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4242 ARCATA BAY WAY, OCEANSIDE, CA 92058-6911
Transaction Type	Mortgage
Record Updated	Jun 21, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4242 ARCATA BAY WAY, OCEANSIDE, CA 92058-6911

Mortgage

Document Number	0000298957
Date	Apr 19, 2021
Instrument	2021-0298957

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	May 1, 2041

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 27, 2017
Property Address	4242 ARCATA BAY WAY, OCEANSIDE, CA 92058-6911
Document Number	0000339176
Map Reference	MAP9745
Instrument Date	Jul 6, 2017
Instrument	2017-0339176
Transaction Type	Transfer
Record Updated	Jun 21, 2022
Title Company	LAYWERS TITLE

Transaction

Amount	Amount on Record
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	4242 ARCATA BAY WAY, OCEANSIDE, CA 92058-6911

Mortgage

Document Number	0000339177
Date	Jul 27, 2017
Instrument	2017-0339177

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2047

Mortgage

Document Number	0000339179
Date	Jul 27, 2017
Instrument	2017-0339179

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Negative Amortization
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 4242 Arcata Bay Way was $4,353 with a homeowner's exemption.

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		$400,394 (+2%) Land $206,656 Building $193,738
2025	$4,353.00 Homeowner's exemption	$392,544 Land $202,604 Building $189,940
2023	$4,136.00 (+1.55%) Homeowner's exemption	$377,303 Land $194,738 Building $182,565
2022	$4,073.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 4242 Arcata Bay Way in Zone X, an area of moderate flood risk.

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	1 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

Wildfire risk around 4242 Arcata Bay Way is moderate, ranking above 46% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 46% of the US · lower than 72% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach

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 523 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: San Diego Broadband, T-Mobile.

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