San Diego County property record for 4277 Arcata Bay Way, Oceanside, CA 92058
| 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 | $312,000 (Apr 2016) |
| Tax Bill | $4,094 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Mar 2021 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 157-550-27-02 |
| Primary APN | 157-550-27-02 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,299 sqft Living Area |
| 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 |
| Street Address | 4277 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 US258PER 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 |
4277 Arcata Bay Way, a condominium, is owned and occupied by two individuals who bought it in April 2016.
Source: San Diego County records, as of July 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4277 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.
| Date | Document |
|---|---|
| Nov 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GROVES CAPITAL INC |
| Mar 11, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GROVES CAPITAL INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 4, 2016 · Amount on File |
| Deed Sale | Apr 4, 2016 · Amount on File |
| Prior Sale | Jan 29, 2015 |
| Deed Document Number | 2016149984 |
| Prior Transfer Date | Jan 12, 2015 |
| Prior Transfer Doc | 0000039404 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 4277 ARCATA BAY WAY, OCEANSIDE, CA 92058-6911 |
| Transaction Type | Mortgage |
| Record Updated | Dec 8, 2021 |
| Title Company | ATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 4277 ARCATA BAY WAY, OCEANSIDE, CA 92058-6911 |
| Document Number | 0000813033 |
|---|---|
| Date | Nov 29, 2021 |
| Instrument | 2021-0813033 |
| Name | GROVES CAPITAL INC |
|---|---|
| Type | Mortgage Company |
| Address | RANCHO SANTA FE, CA 92091 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 4277 ARCATA BAY WAY, OCEANSIDE, CA 92058-6911 |
| Transaction Type | Mortgage |
| Record Updated | Apr 22, 2021 |
| Title Company | ATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 4277 ARCATA BAY WAY, OCEANSIDE, CA 92058-6911 |
| Document Number | 0000191201 |
|---|---|
| Date | Mar 11, 2021 |
| Instrument | 2021-0191201 |
| Name | GROVES CAPITAL INC |
|---|---|
| Type | Non-Lending Institution |
| Address | SAN DIEGO, CA 92130 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
The 2025 property tax bill for 4277 Arcata Bay Way was $4,094 with a homeowner's exemption.
Source: San Diego County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Municipality | Oceanside City |
| Unified School District | Oceanside Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $376,720 (+2%) Land $228,316 Building $148,404 | |
| 2025 | $4,094.00 Homeowner's exemption | $369,335 Land $223,840 Building $145,495 |
| 2023 | $3,890.00 (+1.57%) Homeowner's exemption | $354,996 Land $215,149 Building $139,847 |
| 2022 | $3,830.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 4277 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 risk around 4277 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.
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 |
| 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.
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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