4824 Gardenia St, Oceanside, CA 92057 Property Records

San Diego County property record for 4824 Gardenia St, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,411 sqft · built 1986
Lot Size	0.128 acres (5,559 sqft)
Owner	Company Name on File
Last Sale	$340,000 (Oct 2014)
Tax Bill	$4,618 (2025)
Deeds & Mortgages	May 2022 Transfer Oct 2020 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`157-662-22-00`

Property Details

APN / Parcel Number

Primary APN	`157-662-22-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,411 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Conventional
Exterior Material	Stucco
Roof Material	Tile
Lot Area	5,559 sqft (0.128 acres)
View / Lot	River
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4824 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 66 TR 011012
Legal Subdivision	MURRAY MISSION
Legal Tract	011012
Legal Block	2
Legal Lot Number	66
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2000
Census Tract	18521

Owner

4824 Gardenia St is owned by a company that acquired it in May 2022.

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

Owner of Record	Company Name on File
Mailing Address	11538 CORTINA PL, SAN DIEGO, CA 92131-6162
Owner Type	Company
Vesting	Borrower in Default

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
May 18, 2022	Intrafamily Transfer, Transfer
Oct 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage BNC NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 22, 2014 · Amount on File
Deed Sale	Oct 22, 2014 · Amount on File
Prior Sale	Jul 25, 2014 · Amount on File
Deed Document Number	2014458594
Last Transfer Date	May 4, 2022
Transfer Doc	0000213670
Record Updated	Oct 29, 2026

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	May 18, 2022
Property Address	4824 GARDENIA ST, OCEANSIDE, CA 92057-5429
Document Number	0000213670
Map Reference	MAP 11012
Instrument Date	May 4, 2022
Instrument	2022-0213670
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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
Relationship	Family Trust
Address	11538 CORTINA PL, SAN DIEGO, CA 92131-6162

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4824 GARDENIA ST, OCEANSIDE, CA 92057-5429
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11538 CORTINA PL, SAN DIEGO, CA 92131-6162

Mortgage

Document Number	0000614949
Date	Oct 12, 2020
Instrument	2020-0614949

Lender

Name	BNC NATIONAL BANK
Type	Bank
Address	GLENDALE, AZ 85308

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 4824 Gardenia St was $4,618.

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		$416,789 (+2%) Land $206,531 Building $210,258
2025	$4,618.00	$408,618 Land $202,482 Building $206,136
2023	$4,390.00 (+1.53%)	$392,753 Land $194,620 Building $198,133
2022	$4,324.00

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

Flood

FEMA maps place 4824 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

Wildfire risk around 4824 Gardenia St is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 98.4% of California
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond 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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