San Diego County property record for 4847 Cardiff Bay Dr, Oceanside, CA 92057
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,309 sqft · built 1991 |
| Lot Size | 0.224 acres (9,752 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $365,000 (Apr 2013) |
| Tax Bill | $5,193 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 122-385-32-00 |
| Primary APN | 122-385-32-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 2,309 sqft Living Area |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Lot Area | 9,752 sqft (0.224 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 3 Parking Spaces |
| Street Address | 4847 CARDIFF BAY DR |
|---|---|
| City | OCEANSIDE |
| State | CA |
| Zip | 92057-3416 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS |
| Legal Description | LOT 635 TR 012384 |
| Legal Subdivision | WHELAN RANCH |
| Legal Tract | 012384 |
| Legal Block | 1 |
| Legal Lot Number | 635 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | OCEANSIDE-ESCONDIDO |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 18617 |
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 Record |
|---|---|
| Mailing Address | 4847 CARDIFF BAY DR, OCEANSIDE, CA 92057-3416 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 26, 2013 · Amount on Record |
| Deed Sale | Apr 26, 2013 · Amount on Record |
| Prior Sale | Nov 24, 2004 · Amount on Record |
| Deed Document Number | 2013261042 |
| Last Transfer Date | Jun 7, 2016 |
| Transfer Doc | 0000280632 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 4847 CARDIFF BAY DR, OCEANSIDE, CA 92057-3416 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AMROCK TITLE CALIFORNIA INC |
| Name | Verified Name |
|---|---|
| Address | 2472 ACOMA DR, KINGMAN, AZ 86401-7371 |
| Document Number | 0000000177 |
|---|---|
| Date | Jan 4, 2021 |
| Instrument | 2021-0000177 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 357 Months |
| Due | Oct 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.99% |
| Type Change Date | Oct 1, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 7.99% |
| Index | 1-Year LIBOR |
| Max Rate | 7.99% |
Source: San Diego County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Municipality | Oceanside City |
| Unified School District | Oceanside Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $458,446 (+2%) Land $229,223 Building $229,223 | |
| 2025 | $5,193.00 (+5.16%) | $449,458 (+4.04%) Land $224,729 Building $224,729 |
| 2023 | $4,938.00 (+1.54%) | $432,006 Land $216,003 Building $216,003 |
| 2022 | $4,863.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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.
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.
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 |
| 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.
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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