4426 Arbor Cove Cir, Oceanside, CA 92058 Property Records

San Diego County property record for 4426 Arbor Cove Cir, Oceanside, CA 92058

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,955 sqft · built 1996
Lot Size	0.194 acres (8,444 sqft)
Owner	2 Individual Names on File
Last Sale	$312,000 (Apr 2002)
Tax Bill	$3,148 (2025)
Deeds & Mortgages	Jul 2017 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`157-870-51-00`

Property Details

APN / Parcel Number

Primary APN	`157-870-51-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	1,955 sqft Living Area

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Lot Area	8,444 sqft (0.194 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	4426 ARBOR COVE CIR
City	OCEANSIDE
State	CA
Zip	92058-6958
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 51 TR 013230
Legal Subdivision	OCEANSIDE 1
Legal Tract	013230
Legal Block	2
Legal Lot Number	51
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2005
Census Tract	18608

Owner

4426 Arbor Cove Cir is owned and occupied by two individuals who bought it in April 2002.

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

Owner of Record	2 Individual Names on File
Mailing Address	4426 ARBOR COVE CIR, OCEANSIDE, CA 92058-6958
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 8, 2002 · Amount on File
Deed Sale	Apr 8, 2002 · Amount on File
Prior Sale	Apr 8, 2002 · Amount on File
Deed Document Number	2002292508
Record Updated	Oct 29, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4426 ARBOR COVE CIR, OCEANSIDE, CA 92058-6958
Document Number	0000339300
Instrument Date	Jul 6, 2017
Transaction Type	Mortgage
Record Updated	Aug 1, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4426 ARBOR COVE CIR OCEANSIDE CA 920586958, OCEANSIDE, CA 92058-6958

Mortgage

Document Number	0000339300
Date	Jul 27, 2017
Instrument	339300

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jul 26, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 4426 Arbor Cove Cir was $3,148 with a homeowner's exemption.

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		$278,882 (+2%) Land $67,085 Building $211,797
2025	$3,148.00 Homeowner's exemption	$273,415 Land $65,770 Building $207,645
2023	$2,991.00 (+1.63%) Homeowner's exemption	$262,800 Land $63,217 Building $199,583
2022	$2,943.00

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

Flood

FEMA maps place 4426 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 4426 Arbor Cove Cir is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.03% 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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