4739 Gardenia St, Oceanside, CA 92057 Property Records

San Diego County property record for 4739 Gardenia St, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,006 sqft · built 1986
Lot Size	0.85 acres (3,687 sqft)
Owner	2 Individual Names on File
Last Sale	$710,000 (Aug 2026)
Tax Bill	$5,477 (2025)
Deeds & Mortgages	Nov 2023 Transfer Mar 2021 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`157-671-32-00`

Property Details

APN / Parcel Number

Primary APN	`157-671-32-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,006 sqft Living Area

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Lot Area	3,687 sqft (0.85 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	4739 GARDENIA ST
City	OCEANSIDE
State	CA
Zip	92057-6143
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-A
Legal Description	LOT 32 TR 011080
Legal Subdivision	MURRAY MISSION
Legal Tract	011080
Legal Block	1
Legal Lot Number	32
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1003
Census Tract	18520

Owner

4739 Gardenia St is owned and occupied by two individuals who bought it in August 2026.

Source: San Diego County records, as of August 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4739 GARDENIA ST, OCEANSIDE, CA 92057-6143
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Deeds, Mortgages & Sale History

Date	Document
Nov 28, 2023	Intrafamily Transfer, Transfer
Mar 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC
Oct 25, 2019	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Sep 19, 2018	Grant Deed, Transfer · FHA Mortgage STEARNS LENDING LLC
Apr 11, 2018	Grant Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 14, 2026 · Amount on File
Deed Sale	Aug 14, 2026 · Amount on File
Prior Sale	Sep 19, 2018 · Amount on File
Deed Document Number	2026238514
Prior Transfer Date	Oct 29, 2023
Prior Transfer Doc	0000328294
Record Updated	Oct 29, 2026

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 28, 2023
Property Address	4739 GARDENIA ST, OCEANSIDE, CA 92057-6143
Document Number	0000328294
Map Reference	MAP 11080
Instrument Date	Oct 29, 2023
Instrument	2023-0328294
Transaction Type	Transfer
Record Updated	Dec 7, 2023

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	4739 GARDENIA ST, OCEANSIDE, CA 92057-6143

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4739 GARDENIA ST, OCEANSIDE, CA 92057-6143
Transaction Type	Mortgage
Record Updated	Mar 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4739 GARDENIA ST, OCEANSIDE, CA 92057-6143

Mortgage

Document Number	0000181487
Date	Mar 9, 2021
Instrument	2021-0181487

Lender

Name	NEWREZ LLC
Type	Non-Lending Institution
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	347 Months
Due	Feb 1, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4739 GARDENIA ST, OCEANSIDE, CA 92057-6143
Document Number	0000531931
Instrument Date	Oct 25, 2019
Transaction Type	Mortgage
Record Updated	Nov 27, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	4-39 GARDENIA ST OCEANSIDE CA 92057, OCEANSIDE, CA 92057

Mortgage

Document Number	0000531931
Date	Nov 18, 2019
Instrument	531931

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 17, 2049

September 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 19, 2018
Property Address	4739 GARDENIA ST, OCEANSIDE, CA 92057-6143
Document Number	0000391998
Map Reference	MAP 11080
Instrument Date	Aug 22, 2018
Instrument	2018-0391998
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
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 with Right of Survivorship
Address	4739 GARDENIA ST, OCEANSIDE, CA 92057-6143

Mortgage

Document Number	0000391999
Date	Sep 19, 2018
Instrument	2018-0391999

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2048

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 11, 2018
Property Address	4739 GARDENIA ST, OCEANSIDE, CA 92057-6143
Document Number	0000144253
Instrument Date	Apr 3, 2018
Instrument	144253
Transaction Type	Transfer
Record Updated	Apr 17, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Tax	$418.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Partnership
Address	1411 RIMPAU AVE #205 CORONA CA 928797500, 205, CORONA, CA 92879-7500

Tax Assessment & Valuation

The 2025 property tax bill for 4739 Gardenia St was $5,477 with a homeowner's exemption, up 2% from the year before.

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		$502,346 (+2%) Land $365,598 Building $136,748
2025	$5,477.00 (+1.97%) Homeowner's exemption	$492,497 Land $358,430 Building $134,067
2024	$5,371.00 (+3.21%)
2023	$5,204.00 (+1.56%) Homeowner's exemption	$473,374 Land $344,512 Building $128,862
2022	$5,124.00

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

Flood

FEMA maps place 4739 Gardenia St in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A99, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	2 in force

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

The area around 4739 Gardenia St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land 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 527 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 · Fixed Wireless in parts of the area	100 / 20

May also be available: GeoLinks, T-Mobile.

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