4264 Arcata Bay Way, Oceanside, CA 92058 Property Records

San Diego County property record for 4264 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 Record
Last Sale	$515,000 (Aug 2021)
Tax Bill	$6,152 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Aug 2019 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`157-550-27-15`

Property Details

APN / Parcel Number

Primary APN	`157-550-27-15`

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	4264 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 US271PER 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 Individual Names on Record
Mailing Address	4264 ARCATA BAY WAY, OCEANSIDE, CA 92058-6911
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 6, 2021	Grant Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Aug 5, 2019	Deed of Trust, Mortgage · VA Mortgage RESIDENTIAL WHOLESALE MORTGAGE INC
Oct 17, 2020	Loan Modification, Mortgage · Conventional with PMI WELLS FARGO BK
Dec 5, 2017	Grant Deed, Transfer · VA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 6, 2021 · Amount on Record
Deed Sale	Aug 6, 2021 · Amount on Record
Prior Sale	Dec 5, 2017 · Amount on Record
Deed Document Number	2021560033
Prior Transfer Date	Apr 28, 2005
Prior Transfer Doc	0000361449
Record Updated	Oct 29, 2026

August 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 6, 2021
Property Address	4264 ARCATA BAY WAY, OCEANSIDE, CA 92058-6911
Document Number	0000560033
Map Reference	MAP 9745
Instrument Date	Jul 30, 2021
Instrument	2021-0560033
Transaction Type	Transfer
Record Updated	Aug 18, 2021
Title Company	AMROCK INC, AMROCK LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4264 ARCATA BAY WAY, OCEANSIDE, CA 92058-6911

Mortgage

Document Number	0000560034
Date	Aug 6, 2021
Instrument	2021-0560034

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4264 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	0000325557
Date	Aug 5, 2019
Instrument	2019-0325557

Lender

Name	RESIDENTIAL WHOLESALE MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92130

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2049

October 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SAN DIEGO CA
Property Address	4264 ARCATA BAY WAY, OCEANSIDE, CA 92058-6911
Document Number	0000776866
Instrument Date	Oct 17, 2020
Transaction Type	Mortgage
Record Updated	Dec 11, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	106 RAINTREE BLVD STAFFORD VA 225561412, STAFFORD, VA 22556-1412

Mortgage

Document Number	0000776866
Date	Dec 4, 2020
Instrument	776866

Lender

Name	WELLS FARGO BK
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 3, 2050

Interest

Rate	3.25%

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 5, 2017
Property Address	4264 ARCATA BAY WAY, OCEANSIDE, CA 92058-6911
Document Number	0000565930
Instrument Date	Nov 22, 2017
Instrument	565930
Transaction Type	Transfer
Record Updated	Dec 11, 2017
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$396.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4264 ARCATA BAY WAY OCEANSIDE CA 920586911, OCEANSIDE, CA 92058-6911

Mortgage

Document Number	565931
Date	Dec 5, 2017
Instrument	565931

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 4, 2047

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		$557,450 (+2%) Land $334,470 Building $222,980
2025	$6,152.00 (+5.16%)	$546,520 (+4.04%) Land $327,912 Building $218,608
2023	$5,850.00 (+1.53%)	$525,300 Land $315,180 Building $210,120
2022	$5,762.00

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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