4675 Spinnaker Bay Ct, Oceanside, CA 92057 Property Records

San Diego County property record for 4675 Spinnaker Bay Ct, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,576 sqft · built 1994
Lot Size	0.29 acres (12,620 sqft)
Owner	2 Individual Names on Record
Last Sale	$650,000 (Jul 2017)
Tax Bill	$8,357 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Jul 2017 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`122-396-20-00`

Property Details

APN / Parcel Number

Primary APN	`122-396-20-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Building Area	2,576 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Conventional
Lot Area	12,620 sqft (0.29 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4675 SPINNAKER BAY CT
City	OCEANSIDE
State	CA
Zip	92057-4226
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 457 TR 012381
Legal Subdivision	WHELAN RANCH
Legal Tract	012381
Legal Block	1
Legal Lot Number	457
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	2 Individual Names on Record
Mailing Address	4675 SPINNAKER BAY CT, OCEANSIDE, CA 92057-4226
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Jul 18, 2017	Grant Deed, Transfer · Conventional Mortgage WATERMARK CAP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 18, 2017 · Amount on Record
Deed Sale	Jul 18, 2017 · Amount on Record
Prior Sale	Nov 7, 2014
Deed Document Number	2017322995
Prior Transfer Date	Oct 28, 2014
Prior Transfer Doc	0000486551
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4675 SPINNAKER BAY CT, OCEANSIDE, CA 92057-4226
Transaction Type	Mortgage
Record Updated	Jul 8, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4675 SPINNAKER BAY CT, OCEANSIDE, CA 92057-4226

Mortgage

Document Number	0000471093
Date	Jun 29, 2021
Instrument	2021-0471093

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

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

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 18, 2017
Property Address	4675 SPINNAKER BAY CT, OCEANSIDE, CA 92057-4226
Document Number	0000322995
Instrument Date	Jun 22, 2017
Instrument	322995
Transaction Type	Transfer
Record Updated	Jul 24, 2017
Title Company	LAWYERS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$715.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	4675 SPINNAKER BAY CT OCEANSIDE CA 920574226, OCEANSIDE, CA 92057-4226

Mortgage

Document Number	322996
Date	Jul 18, 2017
Instrument	322996

Lender

Name	WATERMARK CAP
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 17, 2047

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		$754,374 (+2%) Land $364,844 Building $389,530
2025	$8,357.00 (+5.2%) Homeowner's exemption	$739,584 (+4.04%) Land $357,691 Building $381,893
2023	$7,944.00 (+1.56%) Homeowner's exemption	$710,866 Land $343,802 Building $367,064
2022	$7,822.00

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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