4338 Harbor Way, Unit 4, Oceanside, CA 92056 Property Records

San Diego County property record for 4338 Harbor Way, Unit 4, Oceanside, CA 92056

Property Summary

Property Type	Condominium
Details	3 bd · 3 ba · 1,521 sqft · built 2019
Owner	2 Individual Names on Record
Tax Bill	$6,898 (2025)
Deeds & Mortgages	Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`160-690-09-14`

Property Details

APN / Parcel Number

Primary APN	`160-690-09-14`

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, 4
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 140 PER DOC19-0017228&UND INT IN TR 015691
Legal Subdivision	ST CLOUD/OCEAN RANCH
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 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	4338 HARBOR WAY, 4, OCEANSIDE, CA 92056-5758
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4338 HARBOR WAY UNIT 4, 4, OCEANSIDE, CA 92056-5758
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TICOR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4338 HARBOR WAY 4, 4, OCEANSIDE, CA 92056-5758

Mortgage

Document Number	0000785285
Date	Dec 8, 2020
Instrument	2020-0785285

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 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		$573,194 (+2%) Land $234,256 Building $338,938
2025	$6,898.00 (+5.12%) Homeowner's exemption	$561,956 (+4.04%) Land $229,663 Building $332,293
2023	$6,562.00 (+1.59%) Homeowner's exemption	$540,137 Land $220,746 Building $319,391
2022	$6,459.00

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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