4679 Spinnaker Bay Ct, Oceanside, CA 92057 Property Records

San Diego County property record for 4679 Spinnaker Bay Ct, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,575 sqft · built 1994
Lot Size	0.188 acres (8,186 sqft)
Owner	Individual Name on File
Last Sale	$677,000 (Jan 2020)
Tax Bill	$8,444 (2025)
Deeds & Mortgages	Nov 2017 Mortgage Jan 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`122-396-19-00`

Property Details

APN / Parcel Number

Primary APN	`122-396-19-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Building Area	2,575 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Contemporary
Lot Area	8,186 sqft (0.188 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	4679 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 456 TR 012381
Legal Subdivision	WHELAN RANCH
Legal Tract	012381
Legal Block	1
Legal Lot Number	456
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1001
Census Tract	18609

Owner

4679 Spinnaker Bay Ct is owned and occupied by an individual who bought it in January 2020.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	4679 SPINNAKER BAY CT, OCEANSIDE, CA 92057-4226
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 21, 2017	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Jan 6, 2020	Grant Deed, Transfer · VA Mortgage MUFG UNION BANK NA
Mar 21, 2018	Deed of Trust, Mortgage · Conventional Mortgage US DISTRICT COURT

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 6, 2020 · Amount on File
Deed Sale	Jan 6, 2020 · Amount on File
Prior Sale	Apr 2, 2001 · Amount on File
Deed Document Number	20205718
Prior Transfer Date	Dec 28, 1999
Prior Transfer Doc	0000024932
Record Updated	Oct 29, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4679 SPINNAKER BAY CT, OCEANSIDE, CA 92057-4226
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TSI TITLE COMPANY OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000541825
Date	Nov 21, 2017
Instrument	2017-0541825

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2047

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 6, 2020
Property Address	4679 SPINNAKER BAY CT, OCEANSIDE, CA 92057-4226
Document Number	0000005718
Map Reference	MAP 12381
Instrument Date	Dec 13, 2019
Instrument	2020-0005718
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount 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
Address	4679 SPINNAKER BAY CT, OCEANSIDE, CA 92057-4226

Mortgage

Document Number	0000005719
Date	Jan 6, 2020
Instrument	2020-0005719

Lender

Name	MUFG UNION BANK NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4679 SPINNAKER BAY CT, OCEANSIDE, CA 92057-4226
Document Number	0000136735
Instrument Date	Mar 21, 2018
Transaction Type	Mortgage
Record Updated	Apr 13, 2018
Title Company	UTOPIAN GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4679 SPINNAKER BAY CT OCEANSIDE CA 920574226, OCEANSIDE, CA 92057-4226

Mortgage

Document Number	0000136735
Date	Apr 6, 2018
Instrument	136735

Lender

Name	US DISTRICT COURT
Address	RIVERSIDE, CA 92517

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 4679 Spinnaker Bay Ct was $8,444.

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		$755,200 (+2%) Land $293,935 Building $461,265
2025	$8,444.00	$740,393 Land $288,172 Building $452,221
2023	$8,030.00 (+1.54%)	$711,644 Land $276,983 Building $434,661
2022	$7,908.00

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

Flood

FEMA maps place 4679 Spinnaker Bay Ct in Zone X, an area of moderate flood risk, though there have been 2 flood claims nearby since 1998.

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

Wildfire risk around 4679 Spinnaker Bay Ct is low, with a 0.06% annual chance of 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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