4258 Arcata Bay Way, Oceanside, CA 92058 Property Records

San Diego County property record for 4258 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 Company Names on Record
Last Sale	$340,000 (Dec 2006)
Tax Bill	$5,057 (2025)
Deeds & Mortgages	Jul 2023 Mortgage Nov 2021 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`157-550-27-24`

Property Details

APN / Parcel Number

Primary APN	`157-550-27-24`

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	4258 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 US280PER 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

Source: San Diego County records, as of July 28, 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	4258 ARCATA BAY WAY, OCEANSIDE, CA 92058-6911
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 25, 2023	Deed of Trust, Mortgage · Conventional Mortgage MISSION FCU
Nov 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Oct 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 28, 2006 · Amount on Record
Deed Sale	Dec 28, 2006 · Amount on Record
Prior Sale	Aug 20, 2004 · Amount on Record
Deed Document Number	2006921820
Prior Transfer Date	Sep 20, 1993
Prior Transfer Doc	0000712825
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4258 ARCATA BAY WAY, OCEANSIDE, CA 92058-6911
Transaction Type	Mortgage
Record Updated	Aug 3, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4258 ARCATA BAY WAY, OCEANSIDE, CA 92058-6911

Mortgage

Document Number	0000196619
Date	Jul 25, 2023
Instrument	2023-0196619

Lender

Name	MISSION FCU
Type	Credit Union
Address	SAN DIEGO, CA 92191

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Jul 31, 2048

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4258 ARCATA BAY WAY, OCEANSIDE, CA 92058-6911
Transaction Type	Mortgage
Record Updated	Nov 26, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4258 ARCATA BAY WAY, OCEANSIDE, CA 92058-6911

Mortgage

Document Number	0000793261
Date	Nov 17, 2021
Instrument	2021-0793261

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	337 Months
Due	Dec 1, 2049

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4258 ARCATA BAY WAY, OCEANSIDE, CA 92058-6911
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000186065
Date	Apr 13, 2020
Instrument	2020-0186065

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company
Address	ISELIN, NJ 08830

Agreement

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

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4258 ARCATA BAY WAY, OCEANSIDE, CA 92058-6911
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4258 ARCATA BAY WAY, OCEANSIDE, CA 92058-6911

Mortgage

Document Number	0000610550
Date	Oct 8, 2020
Instrument	2020-0610550

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company
Address	ISELIN, NJ 08830

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 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		$464,603 (+2%) Land $300,626 Building $163,977
2025	$5,057.00 (+5.24%) Homeowner's exemption	$455,494 (+4.04%) Land $294,732 Building $160,762
2023	$4,805.00 (+1.56%) Homeowner's exemption	$437,808 Land $283,288 Building $154,520
2022	$4,731.00

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 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

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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