4745 Marblehead Bay Dr, Oceanside, CA 92057 Property Records

San Diego County property record for 4745 Marblehead Bay Dr, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,396 sqft · built 1994
Lot Size	0.145 acres (6,306 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,075,000 (Apr 2026)
Tax Bill	$12,480 (2025)
Deeds & Mortgages	May 2022 Second Mortgage Apr 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`122-387-02-00`

Property Details

APN / Parcel Number

Primary APN	`122-387-02-00`

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	6,306 sqft (0.145 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	4745 MARBLEHEAD BAY DR
City	OCEANSIDE
State	CA
Zip	92057-3408
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 499 TR 012382
Legal Subdivision	WHELAN RANCH
Legal Tract	012382
Legal Block	2
Legal Lot Number	499
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2000
Census Tract	18618

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	4745 MARBLEHEAD BAY DR, OCEANSIDE, CA 92057-3408
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 23, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FRONTWAVE CU
Apr 27, 2026	Grant Deed, Transfer · VA Mortgage CMG MORTGAGE INC
Apr 19, 2024	Grant Deed, Transfer · Conventional Mortgage ON Q FINANCIAL INC
Feb 23, 2021	Quit Claim Deed, Transfer · VA Mortgage WEST COAST FUNDING & REAL ESTATE SV
Apr 21, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 27, 2026 · Amount on Record
Deed Sale	Apr 27, 2026 · Amount on Record
Prior Sale	Apr 19, 2024 · Amount on Record
Deed Document Number	2026118018
Prior Transfer Date	Feb 23, 1996
Prior Transfer Doc	0000152950
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4745 MARBLEHEAD BAY DR, OCEANSIDE, CA 92057-3408
Transaction Type	Mortgage
Record Updated	May 6, 2026
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4745 MARBLEHEAD BAY DR, OCEANSIDE, CA 92057-3408

Mortgage

Document Number	0000220015
Date	May 23, 2022
Instrument	2022-0220015

Lender

Name	FRONTWAVE CU
Type	Credit Union
Address	OCEANSIDE, CA 92056

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2037

April 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 27, 2026
Property Address	4745 MARBLEHEAD BAY DR, OCEANSIDE, CA 92057-3408
Document Number	0000118018
Instrument Date	Mar 31, 2026
Instrument	2026118018
Transaction Type	Transfer
Record Updated	Jul 6, 2026
Title Company	LAWYERS LAND TITLE COMPANY, LAWYERS TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$119,432.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4745 MARBLEHEAD BAY DR, OCEANSIDE, CA 92057-3408

Mortgage

Document Number	0000118019,
Date	Apr 27, 2026
Instrument	2026118019

Lender

Name	CMG MORTGAGE INC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.11%
Max Rate	-1%

April 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 19, 2024
Property Address	4745 MARBLEHEAD BAY DR, OCEANSIDE, CA 92057-3408
Document Number	0000098837
Map Reference	MAP 12382
Instrument Date	Apr 10, 2024
Instrument	2024-0098837
Transaction Type	Transfer
Record Updated	May 2, 2024
Title Company	TICOR TITLE COMPANY/CA SAN DIEGO, TICOR TITLE CO SAN DIEGO

Transaction

Amount	Amount Recorded
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
Address	4745 MARBLEHEAD BAY DR, OCEANSIDE, CA 92057-3408

Mortgage

Document Number	0000098838
Date	Apr 19, 2024
Instrument	2024-0098838

Lender

Name	ON Q FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

February 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 23, 2021
Property Address	4745 MARBLEHEAD BAY DR, OCEANSIDE, CA 92057-3408
Document Number	0000139937
Map Reference	MAP 12382
Instrument Date	Feb 12, 2021
Instrument	2021-0139937
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	LAWYERS TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4745 MARBLEHEAD BAY DR, OCEANSIDE, CA 92057-3408

Mortgage

Document Number	0000139938
Date	Feb 23, 2021
Instrument	2021-0139938

Lender

Name	WEST COAST FUNDING & REAL ESTATE SV
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2041

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4745 MARBLEHEAD BAY DR, OCEANSIDE, CA 92057-3408
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE CONNECT INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000201052
Date	Apr 21, 2020
Instrument	2020-0201052

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	276 Months
Due	Apr 1, 2043

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		$1,123,632 (+2%) Land $832,320 Building $291,312
2025	$12,480.00 (+113.15%)	$1,101,600 (+120.89%) Land $816,000 Building $285,600
2024	$5,855.00 (+3.15%)
2023	$5,676.00 (+1.54%)	$498,715 Land $206,085 Building $292,630
2022	$5,590.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 3, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 80% of the US · lower than 88% of California
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 681 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: GeoLinks, T-Mobile.

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