4628 Marblehead Bay Dr, Oceanside, CA 92057 Property Records

San Diego County property record for 4628 Marblehead Bay Dr, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,352 sqft · built 1989
Lot Size	0.168 acres (7,323 sqft)
Owner	2 Individual Names on Record
Last Sale	$805,000 (Oct 2025)
Tax Bill	$3,434 (2025)
Deeds & Mortgages	Dec 2022 Mortgage Oct 2025 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`122-391-08-00`

Property Details

APN / Parcel Number

Primary APN	`122-391-08-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,352 sqft Living Area

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Lot Area	7,323 sqft (0.168 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	4628 MARBLEHEAD BAY DR
City	OCEANSIDE
State	CA
Zip	92057-4270
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 383 TR 011776
Legal Subdivision	WHELAN RANCH
Legal Tract	011776
Legal Block	1
Legal Lot Number	383
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1004
Census Tract	18609

Owner

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	2 Individual Names on Record
Mailing Address	10242 WATERIDGE CIR, SAN DIEGO, CA 92121-5742
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2022	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Oct 16, 2025	Grant Deed, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 16, 2025 · Amount on Record
Deed Sale	Oct 16, 2025 · Amount on Record
Prior Sale	Feb 18, 2000 · Amount on Record
Deed Document Number	2025288264
Prior Transfer Date	Jan 21, 2005
Prior Transfer Doc	0000059997
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4628 MARBLEHEAD BAY DR, OCEANSIDE, CA 92057-4270
Transaction Type	Mortgage
Record Updated	Oct 28, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1250 VIA MILANO, SAN ANTONIO, TX 78260-4240

Mortgage

Document Number	0000477907
Date	Dec 23, 2022
Instrument	2022-0477907

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

October 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 16, 2025
Property Address	4628 MARBLEHEAD BAY DR, OCEANSIDE, CA 92057-4270
Document Number	0000288264
Map Reference	MAP 11776
Instrument Date	Sep 26, 2025
Instrument	2025-0288264
Transaction Type	Transfer
Record Updated	Oct 28, 2025
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	10242 WATERIDGE CIR, SAN DIEGO, CA 92121-5742

Mortgage

Document Number	0000288265
Date	Oct 16, 2025
Instrument	2025-0288265

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

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		$805,000 (+175.69%) Land $279,493 Building $525,507
2025	$3,434.00 (+5.18%)	$291,996 (+4.04%) Land $101,380 Building $190,616
2023	$3,265.00 (+1.52%)	$280,660 Land $97,445 Building $183,215
2022	$3,216.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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	6 in force
Nearby Flood Claims	2 (1998–2018)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Nov 2018 · alluvial fan flooding

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	Low lower than 64% of the US · lower than 79% of California
Wildfire Likelihood	0.06% 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 447 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
San Diego Broadband Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

May also be available: T-Mobile.

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