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4762 Gardenia St, Oceanside, CA 92057 Property Records

San Diego County property record for 4762 Gardenia St, Oceanside, CA 92057

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,006 sqft · built 1986
Lot Size0.86 acres (3,725 sqft)
OwnerCompany Name on File
Last Sale$200,000 (Mar 2010)
Tax Bill$2,859 (2025)
Deeds & MortgagesJan 2021 Mortgage
Oct 2020 Transfer
Flood ZoneZone X (moderate risk)
APN157-671-09-00

Property Details

APN / Parcel Number

Primary APN157-671-09-00

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,006 sqft Living Area

Exterior

Year BuiltBuilt 1986
Effective Year BuiltEffective 1986
Lot Area3,725 sqft (0.86 acres)
View / LotRiver
Garage TypeCarport
CarportCarport
Parking Spaces2 Parking Spaces

Location & Zoning

Street Address4762 GARDENIA ST
CityOCEANSIDE
StateCA
Zip92057-6144
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRM-A
Legal DescriptionLOT 9 TR 011080
Legal SubdivisionMURRAY MISSION
Legal Tract011080
Legal Block2
Legal Lot Number9
JurisdictionSAN DIEGO CA
Township / Civil DivisionOCEANSIDE-ESCONDIDO
Census Block Group2
Census Block2000
Census Tract18521

Owner

Source: San Diego County records, as of July 28, 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 RecordCompany Name on File
Mailing Address4762 GARDENIA ST, OCEANSIDE, CA 92057-6144
OccupancyOwner Occupied
Owner TypeCompany
VestingBorrower in Default

Deeds, Mortgages & Sale History

DateDocument
Jan 5, 2021Deed of Trust, Mortgage · Conventional Mortgage
PENNYMAC LOAN SERVICES LLC
Oct 13, 2020Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMar 12, 2010 · Amount on File
Deed SaleMar 12, 2010 · Amount on File
Prior SaleMay 15, 2007 · Amount on File
Deed Document Number2010122943
Last Transfer DateAug 6, 2020
Transfer Doc0000618866
Record UpdatedOct 29, 2026

January 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address4762 GARDENIA ST, OCEANSIDE, CA 92057-6144
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyPACIFIC COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name
Address4762 GARDENIA ST, OCEANSIDE, CA 92057-6144

Mortgage

Document Number0000005537
DateJan 5, 2021
Instrument2021-0005537
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressWESTLAKE VILLAGE, CA 91361
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term241 Months
DueFeb 1, 2041

October 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSAN DIEGO CA
Recording DateOct 13, 2020
Property Address4762 GARDENIA ST, OCEANSIDE, CA 92057-6144
Document Number0000618866
Instrument DateAug 6, 2020
Instrument618866
Transaction TypeTransfer
Record UpdatedOct 21, 2020
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLiving Trust
Address4762 GARDENIA ST OCEANSIDE CA 920576144, OCEANSIDE, CA 92057-6144

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 28, 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySan Diego County
MunicipalityOceanside City
Unified School DistrictOceanside Unified School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed Value
2026$263,309 (+2%) Land $183,004 Building $80,305
2025$2,859.00 (+5.34%) Homeowner's exemption$258,147 (+4.04%) Land $179,416 Building $78,731
2023$2,714.00 (+1.57%) Homeowner's exemption$248,125 Land $172,450 Building $75,675
2022$2,672.00

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 ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Nearest Special Flood Hazard AreaZone A99, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 16 policies
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies16 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 RiskNot 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 SystemCITY OF OCEANSIDE
serves 174,340 people · EPA ID CA3710014
Water SourcePurchased surface water from several systems
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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