4470 Arbor Cove Cir, Oceanside, CA 92058 Property Records

San Diego County property record for 4470 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	0.142 acres (6,200 sqft)
Owner	2 Individual Names on File
Last Sale	$181,000 (Jul 1997)
Tax Bill	$3,397 (2025)
Deeds & Mortgages	Jan 2023 Second Mortgage Dec 2017 Mortgage + 4 more
Flood Zone	Zone X (moderate risk)
APN	`157-870-46-00`

Property Details

APN / Parcel Number

Primary APN	`157-870-46-00`

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	6,200 sqft (0.142 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	4470 ARBOR COVE CIR
City	OCEANSIDE
State	CA
Zip	92058-6962
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 46 TR 013230
Legal Subdivision	OCEANSIDE 1
Legal Tract	013230
Legal Block	2
Legal Lot Number	46
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2005
Census Tract	18608

Owner

4470 Arbor Cove Cir is owned and occupied by two individuals who bought it in July 1997.

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

Owner of Record	2 Individual Names on File
Mailing Address	4470 ARBOR COVE CIR, OCEANSIDE, CA 92058-6962
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

Date	Document
Jan 13, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPLITERO MASTER TRUST
Dec 21, 2017	Deed of Trust, Mortgage · VA Mortgage MCS MORTGAGE BANKERS INC
Jun 13, 2019	Deed of Trust, Mortgage · VA Mortgage GOLDWATER BANK NA
Dec 2, 2020	Deed of Trust, Mortgage · Commercial Mortgage MISSION FCU
Dec 16, 2020	Deed of Trust, Mortgage · VA Mortgage HOMESIDE FINANCIAL LLC
Mar 4, 2020	Deed of Trust, Mortgage · VA Mortgage SRE MTG ALLIANCE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 1997 · Amount on File
Deed Sale	Jul 1, 1997 · Amount on File
Deed Document Number	1997311156
Record Updated	Sep 20, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4470 ARBOR COVE CIR, OCEANSIDE, CA 92058-6962
Transaction Type	Mortgage
Record Updated	Jan 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4470 ARBOR COVE CIR, OCEANSIDE, CA 92058-6962

Mortgage

Document Number	0000010330
Date	Jan 13, 2023
Instrument	2023-0010330

Lender

Name	SPLITERO MASTER TRUST
Type	Non-Lending Institution
Address	BUFFALO, NY 14210

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4470 ARBOR COVE CIR, OCEANSIDE, CA 92058-6962
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ORANGE COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000599326
Date	Dec 21, 2017
Instrument	2017-0599326

Lender

Name	MCS MORTGAGE BANKERS INC
Type	Mortgage Company
Address	PATCHOGUE, NY 11772

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2048

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4470 ARBOR COVE CIR, OCEANSIDE, CA 92058-6962
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000228929
Date	Jun 13, 2019
Instrument	2019-0228929

Lender

Name	GOLDWATER BANK NA
Type	Bank
Address	PHOENIX, AZ 85016

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2049

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4470 ARBOR COVE CIR, OCEANSIDE, CA 92058-6962
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATL TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4470 ARBOR COVE CIR, OCEANSIDE, CA 92058-6962

Mortgage

Document Number	0000770704
Date	Dec 2, 2020
Instrument	2020-0770704

Lender

Name	MISSION FCU
Type	Credit Union
Address	SAN DIEGO, CA 92191

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4470 ARBOR COVE CIR, OCEANSIDE, CA 92058-6962
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4470 ARBOR COVE CIR, OCEANSIDE, CA 92058-6962

Mortgage

Document Number	0000808111
Date	Dec 16, 2020
Instrument	2020-0808111

Lender

Name	HOMESIDE FINANCIAL LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21044

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4470 ARBOR COVE CIR, OCEANSIDE, CA 92058-6962
Document Number	0000180813
Instrument Date	Mar 4, 2020
Transaction Type	Mortgage
Record Updated	Apr 24, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL AGENCY SOLUTION

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4470 ARBOR COVE CIR OCEANSIDE CA 920586962, OCEANSIDE, CA 92058-6962

Mortgage

Document Number	0000180813
Date	Apr 9, 2020
Instrument	180813

Lender

Name	SRE MTG ALLIANCE INC
Address	EL SEGUNDO, CA 90245

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 8, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 4470 Arbor Cove Cir was $3,397 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		$301,593 (+2%) Land $62,954 Building $238,639
2025	$3,397.00 Homeowner's exemption	$295,680 Land $61,720 Building $233,960
2023	$3,227.00 (+1.61%) Homeowner's exemption	$284,200 Land $59,324 Building $224,876
2022	$3,176.00

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

Flood

FEMA maps place 4470 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 4470 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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