4345 Arbor Cove Cir, Oceanside, CA 92058 Property Records

San Diego County property record for 4345 Arbor Cove Cir, Oceanside, CA 92058

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,682 sqft · built 1996
Lot Size	0.144 acres (6,293 sqft)
Owner	2 Trust Names on File
Last Sale	$315,000 (Jul 2011)
Tax Bill	$4,514 (2025)
Deeds & Mortgages	Jul 2026 Sale Jan 2017 Line of Credit
Flood Zone	Zone X (moderate risk)
APN	`157-870-32-00`

Property Details

APN / Parcel Number

Primary APN	`157-870-32-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,682 sqft Living Area

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Lot Area	6,293 sqft (0.144 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	4345 ARBOR COVE CIR
City	OCEANSIDE
State	CA
Zip	92058-6955
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 32 TR 013230
Legal Subdivision	OCEANSIDE 1
Legal Tract	013230
Legal Block	2
Legal Lot Number	32
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2003
Census Tract	18608

Owner

4345 Arbor Cove Cir is owner-occupied and held in a trust since July 2011.

Source: San Diego County records, as of July 28, 2026

Owner of Record	2 Trust Names on File
Mailing Address	4345 ARBOR COVE CIR, OCEANSIDE, CA 92058-6955
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2026	Grant Deed, Transfer NONE LISTED ON DOCUMENT
Jan 9, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2011 · Amount on File
Deed Sale	Jul 28, 2011 · Amount on File
Prior Sale	Apr 19, 2011 · Amount on File
Deed Document Number	2011384055
Prior Transfer Date	Nov 19, 1997
Prior Transfer Doc	0000598661
Record Updated	Oct 29, 2026

July 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 14, 2026
Property Address	4345 ARBOR COVE CIR, OCEANSIDE, CA 92058-6955
Document Number	0000200043
Instrument Date	Jul 9, 2026
Instrument	2026200043
Transaction Type	Transfer
Record Updated	Jul 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

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
Relationship	Family Trust
Address	4345 ARBOR COVE CIR, OCEANSIDE, CA 92058-6955
Investor	Possibly a Property Investor

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4345 ARBOR COVE CIR, OCEANSIDE, CA 92058-6955
Document Number	0000027572
Instrument Date	Jan 9, 2017
Transaction Type	Mortgage
Record Updated	Jan 24, 2017
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4345 ARBOR COVE CIR OCEANSIDE CA 920586955, OCEANSIDE, CA 92058-6955

Mortgage

Document Number	0000027572
Date	Jan 18, 2017
Instrument	27572

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 4345 Arbor Cove Cir was $4,514.

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		$403,553 (+2%) Land $243,415 Building $160,138
2025	$4,514.00 Homeowner's exemption	$395,642 Land $238,643 Building $156,999
2023	$4,289.00 (+1.56%) Homeowner's exemption	$380,280 Land $229,377 Building $150,903
2022	$4,223.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 4345 Arbor Cove Cir 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

Wildfire risk around 4345 Arbor Cove Cir 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.

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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