4790 Gardenia St, Oceanside, CA 92057 Property Records

San Diego County property record for 4790 Gardenia St, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,006 sqft · built 1986
Lot Size	0.84 acres (3,674 sqft)
Owner	Individual Name on File
Last Sale	$443,000 (Nov 2019)
Tax Bill	$5,388 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Nov 2019 Sale & Mortgage + 5 more
Flood Zone	Zone X (moderate risk)
APN	`157-671-02-00`

Property Details

APN / Parcel Number

Primary APN	`157-671-02-00`

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	3,674 sqft (0.84 acres)
View / Lot	River
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	4790 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 2 TR 011080
Legal Subdivision	MURRAY MISSION
Legal Tract	011080
Legal Block	2
Legal Lot Number	2
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2000
Census Tract	18521

Owner

4790 Gardenia St is owned and occupied by an individual who bought it in November 2019.

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

Owner of Record	Individual Name on File
Mailing Address	4790 GARDENIA ST, OCEANSIDE, CA 92057-6144
Occupancy	Owner Occupied
Owner Type	Individual

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
Mar 18, 2021	Deed of Trust, Mortgage · VA Mortgage CALIBER HOME LOANS INC
Nov 13, 2019	Grant Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS
Jan 23, 2019	Quit Claim Deed, Transfer FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NAT'L TITLE SAN DIEGO
Jan 22, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage MISSION FCU
Apr 18, 2018	Quit Claim Deed, Transfer Quitclaim
Dec 11, 2017	Quit Claim Deed, Transfer Quitclaim
Dec 11, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 13, 2019 · Amount on File
Deed Sale	Nov 13, 2019 · Amount on File
Prior Sale	Sep 14, 1999 · Amount on File
Deed Document Number	2019524882
Prior Transfer Date	Jan 18, 2019
Prior Transfer Doc	0000023640
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4790 GARDENIA ST, OCEANSIDE, CA 92057-6144
Transaction Type	Mortgage
Record Updated	Apr 1, 2021
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4790 GARDENIA ST, OCEANSIDE, CA 92057-6144

Mortgage

Document Number	0000210374
Date	Mar 18, 2021
Instrument	2021-0210374

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Feb 1, 2051

November 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 13, 2019
Property Address	4790 GARDENIA ST, OCEANSIDE, CA 92057-6144
Document Number	0000524882
Instrument Date	Oct 11, 2019
Instrument	524882
Transaction Type	Transfer
Record Updated	Nov 21, 2019
Title Company	TICOR TITLE SAN DIEGO BR

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$487.30
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4790 GARDENIA ST OCEANSIDE CA 920576144, OCEANSIDE, CA 92057-6144

Mortgage

Document Number	524883
Date	Nov 13, 2019
Instrument	524883

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 12, 2049

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 23, 2019
Property Address	4790 GARDENIA ST, OCEANSIDE, CA 92057-6144
Document Number	0000023640
Instrument Date	Jan 18, 2019
Instrument	23640
Transaction Type	Transfer
Record Updated	Jan 30, 2019
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NAT'L TITLE SAN DIEGO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	1776 IVY RD OCEANSIDE CA 920545641, OCEANSIDE, CA 92054-5641

January 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 22, 2019
Property Address	4790 GARDENIA ST, OCEANSIDE, CA 92057-6144
Document Number	0000023226
Map Reference	MAP 11080
Instrument Date	Jan 9, 2019
Instrument	2019-0023226
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIDELITY NATIONAL TITLE

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
Address	1776 IVY RD, OCEANSIDE, CA 92054-5641

Mortgage

Document Number	0000023227
Date	Jan 22, 2019
Instrument	2019-0023227

Lender

Name	MISSION FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	Feb 1, 2029

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 18, 2018
Property Address	4790 GARDENIA ST, OCEANSIDE, CA 92057-6144
Document Number	0000153985
Instrument Date	Mar 28, 2018
Instrument	153985
Transaction Type	Transfer
Record Updated	Apr 24, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	PO BOX 460477 ESCONDIDO CA 920460477, ESCONDIDO, CA 92046-0477

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 11, 2017
Property Address	4790 GARDENIA ST, OCEANSIDE, CA 92057-6144
Document Number	0000574740
Instrument Date	Nov 30, 2017
Instrument	574740
Transaction Type	Transfer
Record Updated	Jan 3, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Partial Interest

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	PO BOX 460477 ESCONDIDO CA 920460477, ESCONDIDO, CA 92046-0477

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 11, 2017
Property Address	4790 GARDENIA ST, OCEANSIDE, CA 92057-6144
Document Number	0000574741
Instrument Date	Nov 30, 2017
Instrument	574741
Transaction Type	Transfer
Record Updated	Jan 3, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Partial Interest

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	PO BOX 460477 ESCONDIDO CA 920460477, ESCONDIDO, CA 92046-0477

Tax Assessment & Valuation

The 2025 property tax bill for 4790 Gardenia St was $5,388 with a homeowner's exemption.

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		$494,168 (+2%) Land $298,976 Building $195,192
2025	$5,388.00 Homeowner's exemption	$484,479 Land $293,114 Building $191,365
2023	$5,119.00 (+1.57%) Homeowner's exemption	$465,668 Land $281,733 Building $183,935
2022	$5,040.00

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

Flood

FEMA maps place 4790 Gardenia St in Zone X, an area of moderate flood risk, within 100 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 100 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 4790 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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