4775 Gardenia St, Oceanside, CA 92057 Property Records

San Diego County property record for 4775 Gardenia St, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,006 sqft · built 1986
Lot Size	0.79 acres (3,457 sqft)
Owner	2 Individual Names on Record
Last Sale	$435,000 (Jun 2018)
Tax Bill	$5,441 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Apr 2019 Mortgage + 4 more
Flood Zone	Zone X (moderate risk)
APN	`157-671-41-00`

Property Details

APN / Parcel Number

Primary APN	`157-671-41-00`

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	3,457 sqft (0.79 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	4775 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 41 TR 011080
Legal Subdivision	MURRAY MISSION
Legal Tract	011080
Legal Block	1
Legal Lot Number	41
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1003
Census Tract	18520

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 Record	2 Individual Names on Record
Mailing Address	4775 GARDENIA ST, OCEANSIDE, CA 92057-6143
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2021	Deed of Trust, Mortgage · FHA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Apr 30, 2019	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
Dec 11, 2019	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
Oct 9, 2020	Deed of Trust, Mortgage · FHA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Jun 22, 2018	Affidavit of Death, Transfer FIRST AMERICAN TITLE
Jun 22, 2018	Grant Deed, Transfer · FHA Mortgage PLAZA HOME MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 22, 2018 · Amount on Record
Deed Sale	Jun 22, 2018 · Amount on Record
Prior Sale	Jul 22, 2016 · Amount on Record
Deed Document Number	2018254694
Prior Transfer Date	Sep 29, 1995
Prior Transfer Doc	0000518843
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4775 GARDENIA ST, OCEANSIDE, CA 92057-6143
Transaction Type	Mortgage
Record Updated	Jun 29, 2021
Title Company	WFG NATIONAL TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4775 GARDENIA ST, OCEANSIDE, CA 92057-6143

Mortgage

Document Number	0000445667
Date	Jun 17, 2021
Instrument	2021-0445667

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Mortgage Company
Address	HENDERSON, NV 89074

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4775 GARDENIA ST, OCEANSIDE, CA 92057-6143
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000158664
Date	Apr 30, 2019
Instrument	2019-0158664

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4775 GARDENIA ST, OCEANSIDE, CA 92057-6143
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000577781
Date	Dec 11, 2019
Instrument	2019-0577781

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4775 GARDENIA ST, OCEANSIDE, CA 92057-6143
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG NATIONAL TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4775 GARDENIA ST, OCEANSIDE, CA 92057-6143

Mortgage

Document Number	0000612267
Date	Oct 9, 2020
Instrument	2020-0612267

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Mortgage Company
Address	HENDERSON, NV 89052

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

June 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 22, 2018
Property Address	4775 GARDENIA ST, OCEANSIDE, CA 92057-6143
Document Number	0000254693
Instrument Date	May 22, 2018
Instrument	254693
Transaction Type	Transfer
Record Updated	Jun 29, 2018
Title Company	FIRST AMERICAN TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1280 VIA PORTOFINO SAN MARCOS CA 920785289, SAN MARCOS, CA 92078-5289

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 22, 2018
Property Address	4775 GARDENIA ST, OCEANSIDE, CA 92057-6143
Document Number	0000254694
Map Reference	MAP 11080
Instrument Date	May 22, 2018
Instrument	2018-0254694
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

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	4775 GARDENIA ST, OCEANSIDE, CA 92057-6143

Mortgage

Document Number	0000254695
Date	Jun 22, 2018
Instrument	2018-0254695

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

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		$499,043 (+2%) Land $213,872 Building $285,171
2025	$5,441.00 (+5.24%) Homeowner's exemption	$489,259 (+4.04%) Land $209,679 Building $279,580
2023	$5,170.00 (+1.57%) Homeowner's exemption	$470,263 Land $201,538 Building $268,725
2022	$5,090.00

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
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

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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