San Diego County property record for 4438 Arbor Cove Cir, Oceanside, CA 92058
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,682 sqft · built 1996 |
| Lot Size | 0.18 acres (7,828 sqft) |
| Owner | Company Name on Record |
| Last Sale | $490,000 (Aug 2015) |
| Tax Bill | $6,068 (2025) |
| Deeds & Mortgages | Aug 2019 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 157-870-50-00 |
| Primary APN | 157-870-50-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,682 sqft Living Area |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Lot Area | 7,828 sqft (0.18 acres) |
| Parking Spaces | 3 Parking Spaces |
| Street Address | 4438 ARBOR COVE CIR |
|---|---|
| City | OCEANSIDE |
| State | CA |
| Zip | 92058-6960 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS |
| Legal Description | LOT 50 TR 013230 |
| Legal Subdivision | OCEANSIDE 1 |
| Legal Tract | 013230 |
| Legal Block | 2 |
| Legal Lot Number | 50 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | OCEANSIDE-ESCONDIDO |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 18608 |
Source: San Diego County records, as of July 28, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 4438 ARBOR COVE CIR, OCEANSIDE, CA 92058-6960 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Living Trust |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 24, 2015 · Amount on Record |
| Deed Sale | Aug 24, 2015 · Amount on Record |
| Prior Sale | Dec 19, 2002 · Amount on Record |
| Deed Document Number | 2015446916 |
| Last Transfer Date | Oct 28, 2022 |
| Transfer Doc | 0000426541 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 4438 ARBOR COVE CIR, OCEANSIDE, CA 92058-6960 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | STEWART TITLE GUARANTY CO |
| Name | Verified Name |
|---|
| Document Number | 0000347641 |
|---|---|
| Date | Aug 16, 2019 |
| Instrument | 2019-0347641 |
| Name | JWH FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Address | COSTA MESA, CA 92626 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2049 |
Source: San Diego County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Municipality | Oceanside City |
| Unified School District | Oceanside Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $545,489 (+2%) Land $191,392 Building $354,097 | |
| 2025 | $6,068.00 (+5.2%) Homeowner's exemption | $534,794 (+4.04%) Land $187,640 Building $347,154 |
| 2023 | $5,768.00 (+1.57%) Homeowner's exemption | $514,029 Land $180,354 Building $333,675 |
| 2022 | $5,679.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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.
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.
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 |
| 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.
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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