4836 Cardiff Bay Dr, Oceanside, CA 92057 Property Records

San Diego County property record for 4836 Cardiff Bay Dr, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,576 sqft · built 2006
Lot Size	0.454 acres (19,789 sqft)
Owner	Trust Name on File
Last Sale	$272,000 (Apr 2006)
Tax Bill	$9,165 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Oct 2019 Transfer + 3 more
Flood Zone	Zone X (moderate risk)
APN	`122-385-40-00`

Property Details

APN / Parcel Number

Primary APN	`122-385-40-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	2,576 sqft Living Area

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Lot Area	19,789 sqft (0.454 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	4836 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 643 TR 012384
Legal Subdivision	WHELAN RANCH
Legal Tract	012384
Legal Block	1
Legal Lot Number	643
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1003
Census Tract	18617

Owner

4836 Cardiff Bay Dr is owner-occupied and held in a trust since September 2019.

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

Owner of Record	Trust Name on File
Mailing Address	4836 CARDIFF BAY DR, OCEANSIDE, CA 92057-3413
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Nov 19, 2025	Deed of Trust, Mortgage · Line of Credit THE LOAN STORE INC
Oct 15, 2019	Correction Deed, Transfer STEWART TITLE
Oct 15, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED FIDELITY FUNDING CORP
Mar 7, 2019	Quit Claim Deed, Transfer STEWART TITLE, STEWART TITLE/CA
Feb 28, 2019	Quit Claim Deed, Transfer · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 27, 2006 · Amount on File
Deed Sale	Apr 27, 2006 · Amount on File
Prior Sale	Jun 20, 1997 · Amount on File
Deed Document Number	2006297762
Last Transfer Date	Sep 18, 2019
Transfer Doc	0000463728
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4836 CARDIFF BAY DR, OCEANSIDE, CA 92057-3413
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4836 CARDIFF BAY DR, OCEANSIDE, CA 92057-3413

Mortgage

Document Number	0000326233
Date	Nov 19, 2025
Instrument	2025-0326233

Lender

Name	THE LOAN STORE INC
Type	Mortgage Company
Address	TUCSON, AZ 85718

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 18, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 15, 2019
Property Address	4836 CARDIFF BAY DR, OCEANSIDE, CA 92057-3413
Document Number	0000463730
Instrument Date	Sep 18, 2019
Instrument	463730
Transaction Type	Transfer
Record Updated	May 11, 2021
Title Company	STEWART TITLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4836 CARDIFF BAY DR OCEANSIDE CA 920573413, OCEANSIDE, CA 92057-3413

October 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 15, 2019
Property Address	4836 CARDIFF BAY DR, OCEANSIDE, CA 92057-3413
Document Number	0000463728
Map Reference	MAP 12384
Instrument Date	Sep 18, 2019
Instrument	2019-0463728
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	STEWART TITLE

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	Joint Tenants
Address	4836 CARDIFF BAY DR, OCEANSIDE, CA 92057-3413

Mortgage

Document Number	0000463729
Date	Oct 15, 2019
Instrument	2019-0463729

Lender

Name	UNITED FIDELITY FUNDING CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 7, 2019
Property Address	4836 CARDIFF BAY DR, OCEANSIDE, CA 92057-3413
Document Number	0000082451
Instrument Date	Feb 21, 2019
Instrument	82451
Transaction Type	Transfer
Record Updated	Mar 15, 2019
Title Company	STEWART TITLE, STEWART TITLE/CA

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4836 CARDIFF BAY DR OCEANSIDE CA 920573413, OCEANSIDE, CA 92057-3413

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 28, 2019
Property Address	4836 CARDIFF BAY DR, OCEANSIDE, CA 92057-3413
Document Number	0000072709
Instrument Date	Feb 7, 2019
Instrument	72709
Transaction Type	Transfer
Record Updated	Mar 7, 2019
Title Company	STEWART TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4836 CARDIFF BAY DR OCEANSIDE CA 920573413, OCEANSIDE, CA 92057-3413

Mortgage

Document Number	72710
Date	Feb 28, 2019
Instrument	72710

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 27, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 4836 Cardiff Bay Dr was $9,165 with a homeowner's exemption, up 2% from the year before.

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		$827,042 (+2%) Land $353,722 Building $473,320
2025	$9,165.00 (+1.96%) Homeowner's exemption	$810,827 Land $346,787 Building $464,040
2024	$8,989.00 (+3.18%)
2023	$8,712.00 (+1.56%) Homeowner's exemption	$779,344 Land $333,322 Building $446,022
2022	$8,578.00

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

Flood

FEMA maps place 4836 Cardiff Bay Dr 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 AH, 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

Wildfire risk around 4836 Cardiff Bay Dr is moderate, ranking above 62% 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 62% of the US · lower than 62% of California
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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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