4341 Cadence Way, Oceanside, CA 92057 Property Records

San Diego County property record for 4341 Cadence Way, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,058 sqft · built 2023
Owner	2 Individual Names on Record
Last Sale	$925,000 (Nov 2023)
Tax Bill	$10,503 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Nov 2023 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`158-820-20-00`

Property Details

APN / Parcel Number

Primary APN	`158-820-20-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,058 sqft Living Area

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	4341 CADENCE WAY
City	OCEANSIDE
State	CA
Zip	92057-6502
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 48 TR 016509
Legal Subdivision	RIO ROCKWELL 16509
Legal Tract	016509
Legal Lot Number	48
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2000
Census Tract	18521

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	2 Individual Names on Record
Mailing Address	4341 CADENCE WAY, OCEANSIDE, CA 92057-6502
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Mar 19, 2026	Deed of Trust, Mortgage · Conventional Mortgage ONY GLO INC
Nov 30, 2023	Grant Deed, Transfer · Conventional Mortgage KBHS HOME LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 30, 2023 · Amount on Record
Deed Sale	Nov 30, 2023 · Amount on Record
Deed Document Number	2023331391
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4341 CADENCE WAY, OCEANSIDE, CA 92057-6502
Transaction Type	Mortgage
Record Updated	Mar 26, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL ORANGE CNT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4341 CADENCE WAY, OCEANSIDE, CA 92057-6502

Mortgage

Document Number	0000075573
Date	Mar 19, 2026
Instrument	2026-0075573

Lender

Name	ONY GLO INC
Type	Mortgage Company
Address	SANTA ANA, CA 92707

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Type Change Date	Apr 1, 2033
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	11.2%
Index	SOFR Average 30-Day
Max Rate	11.2%

November 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 30, 2023
Property Address	4341 CADENCE WAY, OCEANSIDE, CA 92057-6502
Document Number	0000331391
Map Reference	MAP 16509
Instrument Date	Nov 15, 2023
Instrument	2023-0331391
Transaction Type	Transfer
Record Updated	Dec 11, 2023
Title Company	FIRST AMERICAN TITLE COMPANY HOMEBU, FIRST AMER TTL CO HOMEBUILDE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	4341 CADENCE WAY, OCEANSIDE, CA 92057-6502

Mortgage

Document Number	0000331392
Date	Nov 30, 2023
Instrument	2023-0331392

Lender

Name	KBHS HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

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		$962,315 (+2%) Land $494,190 Building $468,125
2025	$10,503.00 (+1.95%) Homeowner's exemption	$943,447 (+1,504.99%) Land $484,500 Building $458,947
2024	$10,302.00 (+1,417.23%)
2023	$679.00	$58,782 Land $58,782

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
Nearest Special Flood Hazard Area	Zone A99, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 16 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	16 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	Not rated no burnable land 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 829 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
Starlink Satellite	280 / 30
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks, T-Mobile, Verizon.

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