4338 Harbor Way, Unit 2, Oceanside, CA 92056 Property Records

San Diego County property record for 4338 Harbor Way, Unit 2, Oceanside, CA 92056

Property Summary

Property Type	Condominium
Details	3 bd · 3 ba · 1,521 sqft · built 2019
Owner	Individual Name on Record
Last Sale	$505,000 (Nov 2019)
Tax Bill	$6,867 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Nov 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`160-690-09-12`

Property Details

APN / Parcel Number

Primary APN	`160-690-09-12`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	1,521 sqft Living Area

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Condo/Apartment
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	4338 HARBOR WAY, 2
City	OCEANSIDE
State	CA
Zip	92056-5758
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RM-B
Legal Description	LOT 6 US 138 PER DOC19-0017228&UND INT IN TR 015691
Legal Subdivision	ST CLOUD/OCEAN RANCH PH 3
Legal Tract	015691
Legal Block	3
Legal Lot Number	6
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3005
Census Tract	18522

Owner

Source: San Diego County records, as of July 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	4338 HARBOR WAY, 2, OCEANSIDE, CA 92056-5758
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Nov 15, 2019	Grant Deed, Subdivision Related Transfer · VA Mortgage MR COOPER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 15, 2019 · Amount on Record
Deed Sale	Nov 15, 2019 · Amount on Record
Deed Document Number	2019531251
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4338 HARBOR WAY UNIT 2, 2, OCEANSIDE, CA 92056-5758
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4338 HARBOR WAY 2, 2, OCEANSIDE, CA 92056-5758

Mortgage

Document Number	0000557168
Date	Sep 22, 2020
Instrument	2020-0557168

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

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

November 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 15, 2019
Property Address	4338 HARBOR WAY UNIT 2, 2, OCEANSIDE, CA 92056-5758
Document Number	0000531251
Instrument Date	Oct 8, 2019
Instrument	531251
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 7, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE HSD

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$556.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4338 HARBOR WAY #2 OCEANSIDE CA 920565758, 2, OCEANSIDE, CA 92056-5758

Mortgage

Document Number	531252
Date	Nov 15, 2019
Instrument	531252

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 14, 2049

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 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		$563,220 (+2%) Land $234,256 Building $328,964
2025	$6,867.00 (+5.08%)	$552,177 (+4.04%) Land $229,663 Building $322,514
2023	$6,535.00 (+1.57%)	$530,738 Land $220,746 Building $309,992
2022	$6,434.00

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 minimal risk
Nearest Special Flood Hazard Area	Zone A, 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 623 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks.

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