4683 Spinnaker Bay Ct, Oceanside, CA 92057 Property Records

San Diego County property record for 4683 Spinnaker Bay Ct, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,396 sqft · built 1994
Lot Size	0.177 acres (7,694 sqft)
Owner	2 Company Names on Record
Last Sale	$198,000 (Oct 1993)
Tax Bill	$1,984 (2025)
Deeds & Mortgages	May 2022 Reverse Mortgage May 2021 Reverse Mortgage + 4 more
Flood Zone	Zone X (moderate risk)
APN	`122-396-18-00`

Property Details

APN / Parcel Number

Primary APN	`122-396-18-00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	2,396 sqft Living Area

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Lot Area	7,694 sqft (0.177 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	4683 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 455 TR 012381
Legal Subdivision	WHELAN RANCH
Legal Tract	012381
Legal Block	1
Legal Lot Number	455
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 October 12, 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	2 Company Names on Record
Mailing Address	4683 SPINNAKER BAY CT, OCEANSIDE, CA 92057-4226
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
May 6, 2022	Deed of Trust, Mortgage · Reverse Mortgage LONGBRIDGE FINANCIAL LLC
May 27, 2021	Deed of Trust, Mortgage · Reverse Mortgage ENNKAR INC
Apr 13, 2021	Intrafamily Transfer, Transfer PLACER TITLE COMPANY
Apr 13, 2021	Intrafamily Transfer, Transfer PLACER TITLE COMPANY
May 24, 2017	Deed of Trust, Mortgage · Reverse Mortgage REVERSE MORTGAGE FUNDING LLC
Dec 21, 2020	Quit Claim Deed NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 15, 1993 · Amount on Record
Deed Sale	Oct 15, 1993 · Amount on Record
Deed Document Number	1993690778
Last Transfer Date	Oct 13, 2020
Transfer Doc	0000820920
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4683 SPINNAKER BAY CT, OCEANSIDE, CA 92057-4226
Transaction Type	Mortgage
Record Updated	May 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4683 SPINNAKER BAY CT, OCEANSIDE, CA 92057-4226

Mortgage

Document Number	0000196678
Date	May 6, 2022
Instrument	2022-0196678

Lender

Name	LONGBRIDGE FINANCIAL LLC
Type	Reverse Mortgage Lender
Address	MAHWAH, NJ 07495

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4683 SPINNAKER BAY CT, OCEANSIDE, CA 92057-4226
Transaction Type	Mortgage
Record Updated	Jun 8, 2021
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4683 SPINNAKER BAY CT, OCEANSIDE, CA 92057-4226

Mortgage

Document Number	0000400686
Date	May 27, 2021
Instrument	2021-0400686

Lender

Name	ENNKAR INC
Type	Mortgage Company
Address	ORANGE, CA 92865

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	1.88%
Type Change Date	Jun 1, 2021
Index	1-Year LIBOR
Max Rate	11.8%

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 13, 2021
Property Address	4683 SPINNAKER BAY CT, OCEANSIDE, CA 92057-4226
Document Number	0000286260
Map Reference	MAP 12381
Instrument Date	Apr 8, 2021
Instrument	2021-0286260
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	PLACER TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4683 SPINNAKER BAY CT, OCEANSIDE, CA 92057-4226

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 13, 2021
Property Address	4683 SPINNAKER BAY CT, OCEANSIDE, CA 92057-4226
Document Number	0000286259
Map Reference	MAP 12381
Instrument Date	Apr 8, 2021
Instrument	2021-0286259
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	PLACER TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	4683 SPINNAKER BAY CT, OCEANSIDE, CA 92057-4226

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4683 SPINNAKER BAY CT, OCEANSIDE, CA 92057-4226
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NATIONAL CLOSING SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000234076
Date	May 24, 2017
Instrument	2017-0234076

Lender

Name	REVERSE MORTGAGE FUNDING LLC
Type	Reverse Mortgage Lender
Address	BLOOMFIELD, NJ 07003

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	932 Months
Due	Jan 7, 2095

December 2020: Quit Claim Deed

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 21, 2020
Property Address	4683 SPINNAKER BAY CT, OCEANSIDE, CA 92057-4226
Document Number	0000820920
Instrument Date	Oct 31, 2020
Instrument	820920
Record Updated	Dec 30, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4683 SPINNAKER BAY CT OCEANSIDE CA 920574226, OCEANSIDE, CA 92057-4226

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		$344,343 (+2%) Land $82,220 Building $262,123
2025	$1,984.00 (+0.76%)	$337,592 (+4.04%) Land $80,608 Building $256,984
2023	$1,969.00 (-2.86%)	$324,485 Land $77,479 Building $247,006
2022	$2,027.00

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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