4249 Arcata Bay Way, Oceanside, CA 92058 Property Records

San Diego County property record for 4249 Arcata Bay Way, Oceanside, CA 92058

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 1,299 sqft · built 1982
Lot Size	2.56 acres (111,771 sqft)
Owner	2 Individual Names on File
Last Sale	$512,000 (Mar 2023)
Tax Bill	$5,998 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Mar 2023 Transfer
Flood Zone	Zone X (moderate risk)
APN	`157-550-27-27`

Property Details

APN / Parcel Number

Primary APN	`157-550-27-27`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,299 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	2 Parking Spaces

Location & Zoning

Street Address	4249 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 US283PER 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

4249 Arcata Bay Way, a condominium, is owned and occupied by two individuals who bought it in March 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	4249 ARCATA BAY WAY, OCEANSIDE, CA 92058-6911
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Mar 10, 2023	Grant Deed, Transfer · Conventional Mortgage LUMINATE HOME LOANS INC
Mar 10, 2023	Intrafamily Transfer, Transfer EQUITY TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 10, 2023 · Amount on File
Deed Sale	Mar 10, 2023 · Amount on File
Prior Sale	Mar 14, 1990 · Amount on File
Deed Document Number	202362421
Record Updated	Oct 29, 2026

March 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 10, 2023
Property Address	4249 ARCATA BAY WAY, OCEANSIDE, CA 92058-6911
Document Number	0000062421
Map Reference	MAP 9745
Instrument Date	Feb 24, 2023
Instrument	2023-0062421
Transaction Type	Transfer
Record Updated	Mar 20, 2023
Title Company	EQUITY TITLE COMPANY

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	Notice of Default Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4249 ARCATA BAY WAY, OCEANSIDE, CA 92058-6911
Investor	Possibly a Property Investor

Mortgage

Document Number	0000062423
Date	Mar 10, 2023
Instrument	2023-0062423

Lender

Name	LUMINATE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 10, 2023
Property Address	4249 ARCATA BAY WAY, OCEANSIDE, CA 92058-6911
Document Number	0000062422
Map Reference	MAP 9745
Instrument Date	Feb 24, 2023
Instrument	2023-0062422
Transaction Type	Transfer
Record Updated	Mar 20, 2023
Title Company	EQUITY TITLE COMPANY

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	479 ORCHARD WAY, NEW BRAUNFELS, TX 78132-3450

Tax Assessment & Valuation

The 2025 property tax bill for 4249 Arcata Bay Way was $5,998.

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		$543,335 (+2%) Land $159,433 Building $383,902
2025	$5,998.00	$532,682 Land $156,307 Building $376,375
2023	$2,582.00 (+1.53%)	$229,672 Land $67,394 Building $162,278
2022	$2,543.00

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

FEMA maps place 4249 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 4249 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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