4750 Gardenia St, Oceanside, CA 92057 Property Records

San Diego County property record for 4750 Gardenia St, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 906 sqft · built 1986
Lot Size	0.82 acres (3,554 sqft)
Owner	2 Individual Names on File
Last Sale	$406,000 (Apr 2019)
Tax Bill	$5,113 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Mar 2021 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`157-671-12-00`

Property Details

APN / Parcel Number

Primary APN	`157-671-12-00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	906 sqft Living Area

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Lot Area	3,554 sqft (0.82 acres)
View / Lot	River
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	4750 GARDENIA ST
City	OCEANSIDE
State	CA
Zip	92057-6144
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-A
Legal Description	LOT 12 TR 011080
Legal Subdivision	MURRAY MISSION
Legal Tract	011080
Legal Block	2
Legal Lot Number	12
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2000
Census Tract	18521

Owner

4750 Gardenia St is owned and occupied by two individuals who bought it in April 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	4750 GARDENIA ST, OCEANSIDE, CA 92057-6144
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
Feb 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Mar 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jul 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANPAL LLC
Apr 10, 2019	Grant Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Nov 22, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 10, 2019 · Amount on File
Deed Sale	Apr 10, 2019 · Amount on File
Prior Sale	Sep 17, 2015 · Amount on File
Deed Document Number	2019127379
Prior Transfer Date	Nov 30, 1995
Prior Transfer Doc	0000556322
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4750 GARDENIA ST, OCEANSIDE, CA 92057-6144
Transaction Type	Mortgage
Record Updated	Feb 14, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4750 GARDENIA ST, OCEANSIDE, CA 92057-6144

Mortgage

Document Number	0000056944
Date	Feb 7, 2022
Instrument	2022-0056944

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4750 GARDENIA ST, OCEANSIDE, CA 92057-6144
Transaction Type	Mortgage
Record Updated	Apr 1, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4750 GARDENIA ST, OCEANSIDE, CA 92057-6144

Mortgage

Document Number	0000219101
Date	Mar 22, 2021
Instrument	2021-0219101

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4750 GARDENIA ST, OCEANSIDE, CA 92057-6144
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NATIONAL CLOSING SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000348021
Date	Jul 1, 2020
Instrument	2020-0348021

Lender

Name	LOANPAL LLC
Type	Non-Lending Institution
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2050

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 10, 2019
Property Address	4750 GARDENIA ST, OCEANSIDE, CA 92057-6144
Document Number	0000127379
Map Reference	MAP 11080
Instrument Date	Mar 22, 2019
Instrument	2019-0127379
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIDELITY NATIONAL 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	Joint Tenants
Address	4750 GARDENIA ST, OCEANSIDE, CA 92057-6144

Mortgage

Document Number	0000127380
Date	Apr 10, 2019
Instrument	2019-0127380

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

November 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 22, 2017
Property Address	4750 GARDENIA ST, OCEANSIDE, CA 92057-6144
Document Number	0000546162
Map Reference	MAP11080
Instrument Date	Nov 22, 2017
Instrument	2017-0546162
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	WFG TITLE COMPANY OF CA

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4750 GARDENIA ST, OCEANSIDE, CA 92057-6144

Mortgage

Document Number	0000546163
Date	Nov 22, 2017
Instrument	2017-0546163

Lender

Name	AMERICAN PACIFIC MORTGAGE
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 4750 Gardenia St was $5,113.

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		$461,952 (+2%) Land $344,742 Building $117,210
2025	$5,113.00	$452,895 Land $337,983 Building $114,912
2023	$4,784.00 (+1.57%) Homeowner's exemption	$435,309 Land $324,859 Building $110,450
2022	$4,710.00

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

Flood

FEMA maps place 4750 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
Flood Insurance Cost	Premium on File median of 16 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	16 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 4750 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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