4349 Harbor Way, Unit 3, Oceanside, CA 92056 Property Records

San Diego County property record for 4349 Harbor Way, Unit 3, Oceanside, CA 92056

Property Summary

Property Type	Condominium
Details	2 bd · 3.5 ba · 1,724 sqft · built 2019
Owner	2 Individual Names on File
Last Sale	$505,000 (Oct 2019)
Tax Bill	$6,956 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`160-691-09-09`

Property Details

APN / Parcel Number

Primary APN	`160-691-09-09`

Interior

Bedrooms	2 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	1,724 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	4349 HARBOR WAY, 3
City	OCEANSIDE
State	CA
Zip	92056-5762
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RM-B
Legal Description	LOT 5 US 176 PER DOC18-0382122&UND INT IN PHASE 5 TR 015691
Legal Subdivision	ST CLOUD/OCEAN RANCH
Legal Tract	015691
Legal Block	3
Legal Lot Number	5
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3002
Census Tract	18522

Owner

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

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

Owner of Record	2 Individual Names on File
Mailing Address	4349 HARBOR WAY, 3, OCEANSIDE, CA 92056-5762
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 4, 2023	Deed of Trust, Mortgage · Line of Credit STAR ONE CU
Oct 22, 2019	Grant Deed, Subdivision Related Transfer · Conventional with PMI CLOSINGMARK HM LNS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 22, 2019 · Amount on File
Deed Sale	Oct 22, 2019 · Amount on File
Deed Document Number	2019475063
Record Updated	Sep 20, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4349 HARBOR WAY UNIT 3, 3, OCEANSIDE, CA 92056-5762
Transaction Type	Mortgage
Record Updated	Oct 12, 2023
Title Company	ATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4349 HARBOR WAY 3, 3, OCEANSIDE, CA 92056-5762

Mortgage

Document Number	0000269219
Date	Oct 4, 2023
Instrument	2023-0269219

Lender

Name	STAR ONE CU
Type	Credit Union
Address	SUNNYVALE, CA 94088

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	302 Months
Due	Dec 5, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 22, 2019
Property Address	4349 HARBOR WAY UNIT 3, 3, OCEANSIDE, CA 92056-5762
Document Number	0000475063
Instrument Date	Sep 24, 2019
Instrument	475063
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 5, 2019
Title Company	FIRST AMERICAN TITLE HSD, FIRST AMERICAN TITLE CO-HSD

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$555.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4349 HARBOR WAY #3 OCEANSIDE CA 920565762, 3, OCEANSIDE, CA 92056-5762

Mortgage

Document Number	475064
Date	Oct 22, 2019
Instrument	475064

Lender

Name	CLOSINGMARK HM LNS INC
Address	ONTARIO, CA 91761

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 21, 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		$563,319 (+2%) Land $223,101 Building $340,218
2025	$6,956.00 (+5.06%)	$552,275 (+4.04%) Land $218,727 Building $333,548
2023	$6,621.00 (+1.58%)	$530,832 Land $210,235 Building $320,597
2022	$6,518.00

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
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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