4820 Gardenia St, Oceanside, CA 92057 Property Records

San Diego County property record for 4820 Gardenia St, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,307 sqft · built 1986
Lot Size	0.127 acres (5,536 sqft)
Owner	2 Individual Names on Record
Last Sale	$412,000 (Feb 2016)
Tax Bill	$5,424 (2025)
Deeds & Mortgages	Apr 2026 Mortgage May 2023 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`157-662-21-00`

Property Details

APN / Parcel Number

Primary APN	`157-662-21-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,307 sqft Living Area

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Lot Area	5,536 sqft (0.127 acres)
View / Lot	River
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	4820 GARDENIA ST
City	OCEANSIDE
State	CA
Zip	92057-5429
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-A
Legal Description	LOT 65 TR 011012
Legal Subdivision	MURRAY MISSION
Legal Tract	011012
Legal Block	2
Legal Lot Number	65
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2000
Census Tract	18521

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4820 GARDENIA ST, OCEANSIDE, CA 92057-5429
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2026	Deed of Trust, Mortgage · Conventional Mortgage LAKEVIEW COMMUNITY CAPITAL LLC
May 12, 2023	Deed of Trust, Mortgage · Conventional Mortgage CAKE MORTGAGE CORP
Apr 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage MILLENNIAL HOME LENDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 26, 2016 · Amount on Record
Deed Sale	Feb 26, 2016 · Amount on Record
Prior Sale	Sep 7, 2012 · Amount on Record
Deed Document Number	201685073
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 2, 2026
Property Address	4820 GARDENIA ST, OCEANSIDE, CA 92057-5429
Document Number	0000090054
Instrument Date	Mar 21, 2026
Instrument	202690054
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property, 149
Address	4820 GARDENIA ST, OCEANSIDE, CA 92057-5429

Mortgage

Document Number	0000090054,
Date	Apr 2, 2026
Instrument	202690054

Lender

Name	LAKEVIEW COMMUNITY CAPITAL LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.01%
Initial Type	Fixed Rate
Max Rate	-1%

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4820 GARDENIA ST, OCEANSIDE, CA 92057-5429
Transaction Type	Mortgage
Record Updated	May 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4820 GARDENIA ST, OCEANSIDE, CA 92057-5429

Mortgage

Document Number	0000125374
Date	May 12, 2023
Instrument	2023-0125374

Lender

Name	CAKE MORTGAGE CORP
Type	Mortgage Company
Address	CHATSWORTH, CA 91311

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4820 GARDENIA ST, OCEANSIDE, CA 92057-5429
Transaction Type	Mortgage
Record Updated	Apr 28, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4820 GARDENIA ST, OCEANSIDE, CA 92057-5429

Mortgage

Document Number	0000303472
Date	Apr 20, 2021
Instrument	2021-0303472

Lender

Name	MILLENNIAL HOME LENDING INC
Type	Mortgage Company
Address	CHATSWORTH, CA 91311

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

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		$497,468 (+2%) Land $208,615 Building $288,853
2025	$5,424.00 (+1.97%) Homeowner's exemption	$487,715 (+4.04%) Land $204,525 Building $283,190
2024	$5,319.00 (+3.22%)
2023	$5,153.00 (+1.56%) Homeowner's exemption	$468,779 Land $196,584 Building $272,195
2022	$5,074.00

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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