4804 Cardiff Bay Dr, Oceanside, CA 92057 Property Records

San Diego County property record for 4804 Cardiff Bay Dr, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,149 sqft · built 1997
Lot Size	0.318 acres (13,872 sqft)
Owner	Individual Name on File
Last Sale	$622,500 (Jan 2018)
Tax Bill	$8,019 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Feb 2020 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`122-385-11-00`

Property Details

APN / Parcel Number

Primary APN	`122-385-11-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,149 sqft Living Area

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Lot Area	13,872 sqft (0.318 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	4804 CARDIFF BAY DR
City	OCEANSIDE
State	CA
Zip	92057-3413
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 578 TR 012383
Legal Subdivision	WHELAN RANCH
Legal Tract	012383
Legal Block	1
Legal Lot Number	578
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1003
Census Tract	18617

Owner

4804 Cardiff Bay Dr is owned and occupied by an individual who bought it in January 2018.

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

Owner of Record	Individual Name on File
Mailing Address	4804 CARDIFF BAY DR, OCEANSIDE, CA 92057-3413
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 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Feb 24, 2020	Deed of Trust, Mortgage · Conventional with PMI PLANET HM LNDG
Jan 22, 2018	Grant Deed, Transfer · FHA Mortgage HOME PT FIN'L
Jan 18, 2018	Grant Deed, Transfer · Conventional with PMI PLANET HM LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 18, 2018 · Amount on File
Deed Sale	Jan 18, 2018 · Amount on File
Prior Sale	Oct 1, 2008 · Amount on File
Deed Document Number	201821113
Prior Transfer Date	May 7, 2013
Prior Transfer Doc	0000314236
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4804 CARDIFF BAY DR, OCEANSIDE, CA 92057-3413
Transaction Type	Mortgage
Record Updated	Apr 1, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4804 CARDIFF BAY DR, OCEANSIDE, CA 92057-3413

Mortgage

Document Number	0000218309
Date	Mar 22, 2021
Instrument	2021-0218309

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4804 CARDIFF BAY DR, OCEANSIDE, CA 92057-3413
Document Number	0000183018
Instrument Date	Feb 24, 2020
Transaction Type	Mortgage
Record Updated	Apr 27, 2020
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4804 CARDIFF BAY DR OCEANSIDE CA 920573413, OCEANSIDE, CA 92057-3413

Mortgage

Document Number	0000183018
Date	Apr 10, 2020
Instrument	183018

Lender

Name	PLANET HM LNDG
Address	MERIDEN, CT 06450

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 9, 2050

January 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 22, 2018
Property Address	4804 CARDIFF BAY DR, OCEANSIDE, CA 92057-3413
Document Number	0000024624
Instrument Date	Jan 5, 2018
Instrument	24624
Transaction Type	Transfer
Record Updated	Jan 30, 2018
Title Company	NATIONWIDE TITLE CLEARING INC

Transaction

Amount	Amount on Record
Tax	$556.60
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1245 MARYLAND DR VISTA CA 920833381, VISTA, CA 92083-3381

Mortgage

Document Number	24625
Date	Jan 22, 2018
Instrument	24625

Lender

Name	HOME PT FIN'L
Address	PARSIPPANY, NJ 07054

Agreement

Type	FHA Mortgage

January 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 18, 2018
Property Address	4804 CARDIFF BAY DR, OCEANSIDE, CA 92057-3413
Document Number	0000021113
Instrument Date	Dec 21, 2017
Instrument	21113
Transaction Type	Transfer
Record Updated	Jan 23, 2018
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$684.75
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4804 CARDIFF BAY DR OCEANSIDE CA 920573413, OCEANSIDE, CA 92057-3413

Mortgage

Document Number	21114
Date	Jan 18, 2018
Instrument	21114

Lender

Name	PLANET HM LNDG
Address	MERIDEN, CT 06450

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jan 17, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 4804 Cardiff Bay Dr was $8,019 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		$722,455 (+2%) Land $370,038 Building $352,417
2025	$8,019.00 Homeowner's exemption	$708,290 Land $362,783 Building $345,507
2023	$7,623.00 (+1.57%) Homeowner's exemption	$680,789 Land $348,697 Building $332,092
2022	$7,505.00

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

Flood

FEMA maps place 4804 Cardiff Bay Dr 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 AH, within 100 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

Wildfire risk around 4804 Cardiff Bay Dr is moderate, ranking above 53% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 53% of the US · lower than 68% of California
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 447 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	100 / 20

May also be available: T-Mobile.

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