4373 Arbor Cove Cir, Oceanside, CA 92058 Property Records

San Diego County property record for 4373 Arbor Cove Cir, Oceanside, CA 92058

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,308 sqft · built 1996
Lot Size	0.195 acres (8,474 sqft)
Owner	2 Individual Names on Record
Last Sale	$705,000 (Apr 2020)
Tax Bill	$8,786 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Sep 2021 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`157-870-25-00`

Property Details

APN / Parcel Number

Primary APN	`157-870-25-00`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Building Area	2,308 sqft Living Area

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Lot Area	8,474 sqft (0.195 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	4373 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 25 TR 013230
Legal Subdivision	OCEANSIDE INDUST SUB
Legal Tract	013230
Legal Block	2
Legal Lot Number	25
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2003
Census Tract	18608

Owner

Source: San Diego County records, as of September 23, 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 Record
Mailing Address	1085 COTTAGE WAY, ENCINITAS, CA 92024-5857
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2026	Deed of Trust, Mortgage · Line of Credit FREEDOM MORTGAGE CORPORATION
Sep 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage GOLDEN EMPIRE MORTGAGE INC
Apr 3, 2020	Grant Deed, Transfer · Conventional Mortgage CALIBER HM LOANS
Feb 16, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 3, 2020 · Amount on Record
Deed Sale	Apr 3, 2020 · Amount on Record
Prior Sale	May 24, 2016 · Amount on Record
Deed Document Number	2020172829
Prior Transfer Date	Mar 6, 2013
Prior Transfer Doc	0000199779
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 15, 2026
Property Address	4373 ARBOR COVE CIR, OCEANSIDE, CA 92058-6957
Document Number	0000268706
Instrument Date	Sep 9, 2026
Instrument	2026268706
Transaction Type	Mortgage
Record Updated	Sep 23, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4373 ARBOR COVE CIR, OCEANSIDE, CA 92058-6957

Mortgage

Document Number	0000268706,
Date	Sep 15, 2026
Instrument	2026268706

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Max Rate	-1%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4373 ARBOR COVE CIR, OCEANSIDE, CA 92058-6957
Transaction Type	Mortgage
Record Updated	Sep 22, 2021
Title Company	CALIFORNIA COAST TITLE COMPANY, CALIFORNIA BEST TITLE CO INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4373 ARBOR COVE CIR, OCEANSIDE, CA 92058-6957

Mortgage

Document Number	0000654167
Date	Sep 15, 2021
Instrument	2021-0654167

Lender

Name	GOLDEN EMPIRE MORTGAGE INC
Type	Mortgage Company
Address	BAKERSFIELD, CA 93309

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

April 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 3, 2020
Property Address	4373 ARBOR COVE CIR, OCEANSIDE, CA 92058-6957
Document Number	0000172829
Instrument Date	Mar 3, 2020
Instrument	172829
Transaction Type	Transfer
Record Updated	Apr 20, 2020
Title Company	FIRST AMERICAN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$776.00
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	1085 COTTAGE WAY ENCINITAS CA 920245857, ENCINITAS, CA 92024-5857

Mortgage

Document Number	172830
Date	Apr 3, 2020
Instrument	172830

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 2, 2050

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 16, 2018
Property Address	4373 ARBOR COVE CIR, OCEANSIDE, CA 92058-6957
Document Number	0000063249
Instrument Date	Feb 8, 2018
Instrument	63249
Transaction Type	Transfer
Record Updated	Feb 22, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4373 ARBOR COVE CIR OCEANSIDE CA 920586957, OCEANSIDE, CA 92058-6957

Tax Assessment & Valuation

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		$786,436 (+2%) Land $134,244 Building $652,192
2025	$8,786.00 (+5.16%)	$771,016 (+4.04%) Land $131,612 Building $639,404
2023	$8,355.00 (+1.54%)	$741,078 Land $126,502 Building $614,576
2022	$8,228.00

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 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

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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