4643 Caneel Bay Ct, Oceanside, CA 92057 Property Records

San Diego County property record for 4643 Caneel Bay Ct, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,622 sqft · built 1992
Lot Size	0.168 acres (7,327 sqft)
Owner	Individual Name on Record
Last Sale	$162,000 (Feb 2011)
Tax Bill	$3,220 (2025)
Deeds & Mortgages	Jul 2021 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`122-392-14-00`

Property Details

APN / Parcel Number

Primary APN	`122-392-14-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,622 sqft Living Area

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Lot Area	7,327 sqft (0.168 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	4643 CANEEL BAY CT
City	OCEANSIDE
State	CA
Zip	92057-4224
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 413 TR 011776
Legal Subdivision	WHELAN RANCH
Legal Tract	011776
Legal Block	1
Legal Lot Number	413
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1001
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	Individual Name on Record
Mailing Address	4643 CANEEL BAY CT, OCEANSIDE, CA 92057-4224
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 15, 2011 · Amount on Record
Deed Sale	Feb 15, 2011 · Amount on Record
Prior Sale	Dec 15, 1995 · Amount on Record
Deed Document Number	201187022
Prior Transfer Date	Dec 12, 1995
Prior Transfer Doc	0000573781
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4643 CANEEL BAY CT, OCEANSIDE, CA 92057-4224
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4643 CANEEL BAY CT, OCEANSIDE, CA 92057-4224

Mortgage

Document Number	0000512691
Date	Jul 19, 2021
Instrument	2021-0512691

Lender

Name	FRONTWAVE CU
Type	Credit Union
Address	OCEANSIDE, CA 92056

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Aug 1, 2026
Change Frequency	5 Years
Min Rate At Change	2.75%
Max Rate At Change	4.87%
Index	5-Year CMT
Max Rate	8.87%

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		$285,493 (+2%) Land $67,761 Building $217,732
2025	$3,220.00 (+5.23%) Homeowner's exemption	$279,896 (+4.04%) Land $66,433 Building $213,463
2023	$3,060.00 (+1.63%) Homeowner's exemption	$269,029 Land $63,854 Building $205,175
2022	$3,011.00

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	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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