4754 Gardenia St, Oceanside, CA 92057 Property Records

San Diego County property record for 4754 Gardenia St, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,045 sqft · built 1986
Lot Size	0.84 acres (3,644 sqft)
Owner	2 Individual Names on Record
Last Sale	$656,000 (Dec 2021)
Tax Bill	$7,831 (2025)
Deeds & Mortgages	Jan 2022 Transfer Dec 2021 Sale & Mortgage + 4 more
Flood Zone	Zone X (moderate risk)
APN	`157-671-11-00`

Property Details

APN / Parcel Number

Primary APN	`157-671-11-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,045 sqft Living Area

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Lot Area	3,644 sqft (0.84 acres)
View / Lot	River
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	4754 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 11 TR 011080
Legal Subdivision	MURRAY MISSION
Legal Tract	011080
Legal Block	2
Legal Lot Number	11
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2000
Census Tract	18521

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	4754 GARDENIA ST, OCEANSIDE, CA 92057-6144
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 21, 2022	Intrafamily Transfer, Transfer
Dec 27, 2021	Grant Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
May 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Aug 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Jan 13, 2020	Quit Claim Deed, Transfer · FHA Mortgage ORION LNDG
Mar 15, 2017	Grant Deed, Transfer · FHA Mortgage CMG FINANCIAL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 27, 2021 · Amount on Record
Deed Sale	Dec 27, 2021 · Amount on Record
Prior Sale	Jan 13, 2020
Deed Document Number	2021866872
Last Transfer Date	Jan 21, 2022
Transfer Doc	0000032018
Record Updated	Oct 29, 2026

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 21, 2022
Property Address	4754 GARDENIA ST, OCEANSIDE, CA 92057-6144
Document Number	0000032018
Map Reference	MAP 11080
Instrument Date	Jan 21, 2022
Instrument	2022-0032018
Transaction Type	Transfer
Record Updated	Jan 31, 2022

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	Tenants in Common
Address	4754 GARDENIA ST, OCEANSIDE, CA 92057-6144

December 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 27, 2021
Property Address	4754 GARDENIA ST, OCEANSIDE, CA 92057-6144
Document Number	0000866872
Map Reference	MAP 11080
Instrument Date	Dec 15, 2021
Instrument	2021-0866872
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL 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
Relationship	Tenants in Common
Address	4754 GARDENIA ST, OCEANSIDE, CA 92057-6144

Mortgage

Document Number	0000866873
Date	Dec 27, 2021
Instrument	2021-0866873

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4754 GARDENIA ST, OCEANSIDE, CA 92057-6144
Transaction Type	Mortgage
Record Updated	Jun 8, 2021
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4754 GARDENIA ST, OCEANSIDE, CA 92057-6144

Mortgage

Document Number	0000401388
Date	May 27, 2021
Instrument	2021-0401388

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4754 GARDENIA ST, OCEANSIDE, CA 92057-6144
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4754 GARDENIA ST, OCEANSIDE, CA 92057-6144

Mortgage

Document Number	0000497226
Date	Aug 31, 2020
Instrument	2020-0497226

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	IRVINE, CA 92602

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	354 Months
Due	Feb 1, 2050

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 13, 2020
Property Address	4754 GARDENIA ST, OCEANSIDE, CA 92057-6144
Document Number	0000017500
Instrument Date	Jan 7, 2020
Instrument	17500
Transaction Type	Transfer
Record Updated	Jan 29, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4754 GARDENIA ST OCEANSIDE CA 920576144, OCEANSIDE, CA 92057-6144

Mortgage

Document Number	17501
Date	Jan 13, 2020
Instrument	17501

Lender

Name	ORION LNDG
Address	ORANGE, CA 92868

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 12, 2050

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 15, 2017
Property Address	4754 GARDENIA ST, OCEANSIDE, CA 92057-6144
Document Number	0000119687
Map Reference	MAP11080
Instrument Date	Feb 7, 2017
Instrument	2017-0119687
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	TICOR TITLE 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
Relationship	Joint Tenants
Address	4754 GARDENIA ST, OCEANSIDE, CA 92057-6144
Investor	Possibly a Property Investor

Mortgage

Document Number	0000119688
Date	Mar 15, 2017
Instrument	2017-0119688

Lender

Name	CMG FINANCIAL
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

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		$710,073 (+2%) Land $462,111 Building $247,962
2025	$7,831.00 (+5.18%)	$696,150 (+4.04%) Land $453,050 Building $243,100
2023	$7,445.00 (+2.62%)	$669,119 Land $435,458 Building $233,661
2022	$7,255.00

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
Nearest Special Flood Hazard Area	Zone A99, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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