4807 Gardenia St, Oceanside, CA 92057 Property Records

San Diego County property record for 4807 Gardenia St, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,344 sqft · built 1986
Lot Size	0.114 acres (4,978 sqft)
Owner	2 Individual Names on File
Last Sale	$670,000 (May 2021)
Tax Bill	$8,156 (2025)
Deeds & Mortgages	May 2021 Transfer May 2021 Sale & Mortgage + 4 more
Flood Zone	Zone X (moderate risk)
APN	`157-662-15-00`

Property Details

APN / Parcel Number

Primary APN	`157-662-15-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,344 sqft Living Area

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Lot Area	4,978 sqft (0.114 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	4807 GARDENIA ST
City	OCEANSIDE
State	CA
Zip	92057-5430
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-A
Legal Description	LOT 59 TR 011012
Legal Subdivision	MURRAY MISSION
Legal Tract	011012
Legal Block	1
Legal Lot Number	59
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1003
Census Tract	18520

Owner

4807 Gardenia St is owned and occupied by two individuals who bought it in May 2021.

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 File
Mailing Address	4807 GARDENIA ST, OCEANSIDE, CA 92057-5430
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 27, 2021	Intrafamily Transfer, Transfer WFG TITLE COMPANY/CA-SAN DIEGO, WFG TITLE CO OF CA SAN DIEGO
May 27, 2021	Grant Deed, Transfer · Conventional Mortgage EXCEPTIONAL MORTGAGE SOLUTIONS
Sep 30, 2019	Deed of Trust, Mortgage · FHA Mortgage AMERICAN FINANCIAL NETWORK INC
Sep 2, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC
Sep 2, 2020	Quit Claim Deed, Transfer BNT TITLE COMPANY/CA, BNT TITLE CO/CA
Dec 13, 2017	Grant Deed, Transfer · FHA Mortgage AMERICAN FINANCIAL NETWORK INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 27, 2021 · Amount on File
Deed Sale	May 27, 2021 · Amount on File
Prior Sale	Dec 13, 2017 · Amount on File
Deed Document Number	2021402174
Prior Transfer Date	Aug 25, 2020
Prior Transfer Doc	0000507991
Record Updated	Oct 29, 2026

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	May 27, 2021
Property Address	4807 GARDENIA ST, OCEANSIDE, CA 92057-5430
Document Number	0000402175
Map Reference	MAP 11012
Instrument Date	May 26, 2021
Instrument	2021-0402175
Transaction Type	Transfer
Record Updated	Aug 1, 2023
Title Company	WFG TITLE COMPANY/CA-SAN DIEGO, WFG TITLE CO OF CA SAN DIEGO

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
Address	4807 GARDENIA ST, OCEANSIDE, CA 92057-5430

May 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 27, 2021
Property Address	4807 GARDENIA ST, OCEANSIDE, CA 92057-5430
Document Number	0000402174
Map Reference	MAP 11012
Instrument Date	May 3, 2021
Instrument	2021-0402174
Transaction Type	Transfer
Record Updated	Jun 15, 2023
Title Company	WFG TITLE COMPANY/CA-SAN DIEGO, WFG TITLE CO OF CA SAN DIEGO

Transaction

Amount	Amount on Record
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	4807 GARDENIA ST, OCEANSIDE, CA 92057-5430

Mortgage

Document Number	0000402176
Date	May 27, 2021
Instrument	2021-0402176

Lender

Name	EXCEPTIONAL MORTGAGE SOLUTIONS
Type	Mortgage Company

Agreement

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

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4807 GARDENIA ST, OCEANSIDE, CA 92057-5430
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000430480
Date	Sep 30, 2019
Instrument	2019-0430480

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

September 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 2, 2020
Property Address	4807 GARDENIA ST, OCEANSIDE, CA 92057-5430
Document Number	0000507991
Map Reference	MAP 11012
Instrument Date	Aug 25, 2020
Instrument	2020-0507991
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	BNT TITLE COMPANY CALIFORNIA

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
Address	4607 GARDENIA ST, OCEANSIDE, CA 92057

Mortgage

Document Number	0000507992
Date	Sep 2, 2020
Instrument	2020-0507992

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2050

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 2, 2020
Property Address	4807 GARDENIA ST, OCEANSIDE, CA 92057-5430
Document Number	0000507993
Instrument Date	Aug 25, 2020
Instrument	507993
Transaction Type	Transfer
Record Updated	Sep 14, 2020
Title Company	BNT TITLE COMPANY/CA, BNT TITLE CO/CA

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	4807 GARDENIA ST OCEANSIDE CA 920575430, OCEANSIDE, CA 92057-5430

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 13, 2017
Property Address	4807 GARDENIA ST, OCEANSIDE, CA 92057-5430
Document Number	0000581724
Map Reference	MAP11012
Instrument Date	Nov 22, 2017
Instrument	2017-0581724
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	CORINTHIAN TITLE COMPANY

Transaction

Amount	Amount on Record
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
Address	4807 GARDENIA ST, OCEANSIDE, CA 92057-5430

Mortgage

Document Number	0000581725
Date	Dec 13, 2017
Instrument	2017-0581725

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 4807 Gardenia St was $8,156.

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		$739,729 (+2%) Land $409,387 Building $330,342
2025	$8,156.00	$725,225 Land $401,360 Building $323,865
2023	$7,754.00 (+1.53%)	$697,066 Land $385,776 Building $311,290
2022	$7,637.00

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

Flood

FEMA maps place 4807 Gardenia St in Zone X, an area of moderate flood risk, within 500 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 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

The area around 4807 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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