4353 Arbor Cove Cir, Oceanside, CA 92058 Property Records

San Diego County property record for 4353 Arbor Cove Cir, Oceanside, CA 92058

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,920 sqft · built 1996
Lot Size	0.145 acres (6,310 sqft)
Owner	2 Trust Names on File
Last Sale	$165,500 (Aug 1996)
Tax Bill	$3,104 (2025)
Deeds & Mortgages	Apr 2022 Reverse Mortgage Mar 2021 Reverse Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`157-870-30-00`

Property Details

APN / Parcel Number

Primary APN	`157-870-30-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,920 sqft Living Area

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Lot Area	6,310 sqft (0.145 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	4353 ARBOR COVE CIR
City	OCEANSIDE
State	CA
Zip	92058-6957
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 30 TR 013230
Legal Subdivision	OCEANSIDE 1
Legal Tract	013230
Legal Block	2
Legal Lot Number	30
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2003
Census Tract	18608

Owner

4353 Arbor Cove Cir is owner-occupied and held in a trust since November 2019.

Source: San Diego County records, as of July 28, 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 Trust Names on File
Mailing Address	4353 ARBOR COVE CIR, OCEANSIDE, CA 92058-6957
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2022	Deed of Trust, Mortgage · Reverse Mortgage HIGHTECHLENDING INC
Mar 4, 2021	Deed of Trust, Mortgage · Reverse Mortgage HIGHTECHLENDING INC
Nov 18, 2019	Intrafamily Transfer, Transfer · Reverse Mortgage HIGHTECHLENDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 15, 1996 · Amount on File
Deed Sale	Aug 15, 1996 · Amount on File
Deed Document Number	1996416892
Last Transfer Date	Nov 13, 2019
Transfer Doc	0000533652
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4353 ARBOR COVE CIR, OCEANSIDE, CA 92058-6957
Transaction Type	Mortgage
Record Updated	May 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4353 ARBOR COVE CIR, OCEANSIDE, CA 92058-6957

Mortgage

Document Number	0000183016
Date	Apr 27, 2022
Instrument	2022-0183016

Lender

Name	HIGHTECHLENDING INC
Type	Mortgage Company
Address	IRVINE, CA 92614

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	3.64%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2022
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	8.64%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4353 ARBOR COVE CIR, OCEANSIDE, CA 92058-6957
Transaction Type	Mortgage
Record Updated	Mar 15, 2021
Title Company	FNC TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4353 ARBOR COVE CIR, OCEANSIDE, CA 92058-6957

Mortgage

Document Number	0000170382
Date	Mar 4, 2021
Instrument	2021-0170382

Lender

Name	HIGHTECHLENDING INC
Type	Mortgage Company
Address	IRVINE, CA 92614

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	2.32%
Type Change Date	Apr 1, 2021
Change Frequency	Annually
Index	1-Year LIBOR

November 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 18, 2019
Property Address	4353 ARBOR COVE CIR, OCEANSIDE, CA 92058-6957
Document Number	0000533652
Map Reference	MAP 13230
Instrument Date	Nov 13, 2019
Instrument	2019-0533652
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIDELITY NATIONAL TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4353 ARBOR COVE CIR, OCEANSIDE, CA 92058-6957

Mortgage

Document Number	0000533653
Date	Nov 18, 2019
Instrument	2019-0533653

Lender

Name	HIGHTECHLENDING INC
Type	Mortgage Company

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Dec 1, 2020
Change Frequency	Annually
Index	1-Year LIBOR

Tax Assessment & Valuation

The 2025 property tax bill for 4353 Arbor Cove Cir was $3,104.

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		$274,914 (+2%) Land $58,962 Building $215,952
2025	$3,104.00 Homeowner's exemption	$269,524 Land $57,806 Building $211,718
2023	$2,949.00 (+1.58%) Homeowner's exemption	$259,060 Land $55,562 Building $203,498
2022	$2,903.00

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

Flood

FEMA maps place 4353 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 4353 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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