4245 Half Moon Bay Way, Oceanside, CA 92058 Property Records

San Diego County property record for 4245 Half Moon Bay Way, Oceanside, CA 92058

Property Summary

Property Type	Condominium
Details	2 bd · 1.5 ba · 1,104 sqft · built 1984
Lot Size	3.05 acres (133,018 sqft)
Owner	Trust Name on File
Last Sale	$242,000 (Oct 2015)
Tax Bill	$3,168 (2025)
Deeds & Mortgages	Jul 2022 Transfer Dec 2021 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`157-550-28-03`

Property Details

APN / Parcel Number

Primary APN	`157-550-28-03`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Building Area	1,104 sqft Living Area

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Condo/Apartment
Lot Area	133,018 sqft
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	4245 HALF MOON BAY WAY
City	OCEANSIDE
State	CA
Zip	92058-6930
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RM-B
Legal Description	LOT 143 US135PER DOC84-076521&83-064046&UND INT IN LOTS 141&142& TR 009745
Legal Subdivision	WHELAN RANCH
Legal Tract	009745
Legal Block	2
Legal Lot Number	141-1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2007
Census Tract	18608

Owner

4245 Half Moon Bay Way, a condominium, is owner-occupied and held in a trust since May 2022.

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

Owner of Record	Trust Name on File
Mailing Address	4245 HALF MOON BAY WAY, OCEANSIDE, CA 92058-6930
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

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
Jul 18, 2022	Intrafamily Transfer, Transfer
Dec 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 30, 2015 · Amount on File
Deed Sale	Oct 30, 2015 · Amount on File
Prior Sale	Jan 14, 2000 · Amount on File
Deed Document Number	2015568975
Last Transfer Date	May 31, 2022
Transfer Doc	0000294621
Record Updated	Sep 20, 2026

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 18, 2022
Property Address	4245 HALF MOON BAY WAY, OCEANSIDE, CA 92058-6930
Document Number	0000294621
Map Reference	MAP 9745
Instrument Date	May 31, 2022
Instrument	2022-0294621
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
Relationship	Living Trust
Address	4245 HALF MOON BAY WAY, OCEANSIDE, CA 92058-6930

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4245 HALF MOON BAY WAY, OCEANSIDE, CA 92058-6930
Transaction Type	Mortgage
Record Updated	Dec 20, 2021
Title Company	AMERICAN SW TITLE, AMERICAN COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4245 HALF MOON BAY WAY, OCEANSIDE, CA 92058-6930

Mortgage

Document Number	0000838060
Date	Dec 10, 2021
Instrument	2021-0838060

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 4245 Half Moon Bay Way was $3,168 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		$292,197 (+2%) Land $82,684 Building $209,513
2025	$3,168.00 Homeowner's exemption	$286,468 Land $81,063 Building $205,405
2023	$3,009.00 (+1.55%) Homeowner's exemption	$275,346 Land $77,916 Building $197,430
2022	$2,963.00

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

Flood

FEMA maps place 4245 Half Moon Bay Way in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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 AE, within 500 ft
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 4245 Half Moon 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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