4360 Saint Cloud Way, Unit 4, Oceanside, CA 92056 Property Records

San Diego County property record for 4360 Saint Cloud Way, Unit 4, Oceanside, CA 92056

Property Summary

Property Type	Condominium
Details	4 bd · 4 ba · 1,844 sqft · built 2020
Owner	2 Individual Names on File
Last Sale	$581,000 (Apr 2020)
Tax Bill	$7,912 (2025)
Deeds & Mortgages	Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`160-691-10-12`

Property Details

APN / Parcel Number

Primary APN	`160-691-10-12`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Building Area	1,844 sqft Living Area

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Condo/Apartment
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	4360 SAINT CLOUD WAY, 4
City	OCEANSIDE
State	CA
Zip	92056-5790
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RM-B
Legal Description	LOT 5 US 203 PER DOC19-0219670&UND INT IN PHASE 9 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 · APN 160-691-10-12

Assessment roll updated July 21, 2026 · Last verified July 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 File
Mailing Address	4360 SAINT CLOUD WAY, 4, OCEANSIDE, CA 92056-5790
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 24, 2020 · Amount on Record
Deed Sale	Apr 24, 2020 · Amount on Record
Deed Document Number	2020209586
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4360 SAINT CLOUD WAY UNIT 4, 4, OCEANSIDE, CA 92056-5790
Transaction Type	Mortgage
Record Updated	Aug 01, 2023
Title Company	WESTCOR LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4360 SAINT CLOUD WAY 4, 4, OCEANSIDE, CA 92056-5790

Mortgage

Document Number	0000241019
Date	Mar 29, 2021
Instrument	2021-0241019

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2051

Tax Assessment & Valuation

Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value
2026		$648,102 (+2%) Land $334,654 Building $313,448
2025	$7,912.00 (+5.07%)	$635,395 (+4.04%) Land $328,093 Building $307,302
2023	$7,530.00 (+1.58%)	$610,723 Land $315,353 Building $295,370
2022	$7,413.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 3, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: California Internet.

Based on FCC filings for 623 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CITY OF OCEANSIDE serves 174,340 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.