4844 Cardiff Bay Dr, Oceanside, CA 92057 Property Records

San Diego County property record for 4844 Cardiff Bay Dr, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,428 sqft · built 1997
Lot Size	0.55 acres (23,958 sqft)
Owner	2 Individual Names on File
Last Sale	$690,000 (Aug 2018)
Tax Bill	$8,783 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Aug 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`122-385-42-00`

Property Details

APN / Parcel Number

Primary APN	`122-385-42-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,428 sqft Living Area

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Lot Area	23,958 sqft (0.55 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	4844 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 645 TR 012384
Legal Subdivision	WHELAN RANCH
Legal Tract	012384
Legal Block	1
Legal Lot Number	645
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1003
Census Tract	18617

Owner

4844 Cardiff Bay Dr is owned and occupied by two individuals who bought it in August 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	4844 CARDIFF BAY DR, OCEANSIDE, CA 92057-3413
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Dec 5, 2025	Deed of Trust, Mortgage · Line of Credit NEXA MORTGAGE LLC
Aug 21, 2018	Grant Deed, Transfer TICOR TITLE SAN DIEGO BR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 21, 2018 · Amount on File
Deed Sale	Aug 21, 2018 · Amount on File
Prior Sale	Sep 1, 2015 · Amount on File
Deed Document Number	2018343940
Prior Transfer Date	Jun 25, 2015
Prior Transfer Doc	0000461969
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4844 CARDIFF BAY DR, OCEANSIDE, CA 92057-3413
Transaction Type	Mortgage
Record Updated	Dec 22, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4844 CARDIFF BAY DR, OCEANSIDE, CA 92057-3413

Mortgage

Document Number	0000343551
Date	Dec 5, 2025
Instrument	2025-0343551

Lender

Name	NEXA MORTGAGE LLC
Type	Mortgage Company
Address	MESA, AZ 85212

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 4, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 21, 2018
Property Address	4844 CARDIFF BAY DR, OCEANSIDE, CA 92057-3413
Document Number	0000343940
Instrument Date	Jun 12, 2018
Instrument	343940
Transaction Type	Transfer
Record Updated	Aug 27, 2018
Title Company	TICOR TITLE SAN DIEGO BR

Transaction

Amount	Amount on Record
Tax	$759.00
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	4844 CARDIFF BAY DR OCEANSIDE CA 920573413, OCEANSIDE, CA 92057-3413

Tax Assessment & Valuation

The 2025 property tax bill for 4844 Cardiff Bay Dr was $8,783, up 1.9% 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		$785,095 (+2%) Land $84,554 Building $700,541
2025	$8,783.00 (+1.94%)	$769,702 Land $82,897 Building $686,805
2024	$8,616.00 (+3.16%)
2023	$8,352.00 (+1.53%)	$739,816 Land $79,679 Building $660,137
2022	$8,226.00

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

Flood

FEMA maps place 4844 Cardiff Bay Dr in Zone X, an area of minimal 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 minimal risk
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 4844 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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