4849 Marblehead Bay Dr, Oceanside, CA 92057 Property Records

San Diego County property record for 4849 Marblehead Bay Dr, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,149 sqft · built 1996
Lot Size	0.88 acres (38,333 sqft)
Owner	2 Individual Names on Record
Last Sale	$583,000 (Jul 2004)
Tax Bill	$9,263 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit Apr 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`122-384-16-00`

Property Details

APN / Parcel Number

Primary APN	`122-384-16-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,149 sqft Living Area

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Lot Area	38,333 sqft (0.88 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	4849 MARBLEHEAD BAY DR
City	OCEANSIDE
State	CA
Zip	92057-3411
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 680 TR 012385
Legal Subdivision	WHELAN RANCH
Legal Tract	012385
Legal Block	1
Legal Lot Number	680
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1003
Census Tract	18617

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	4849 MARBLEHEAD BAY DR, OCEANSIDE, CA 92057-3411
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2023	Deed of Trust, Mortgage · Line of Credit JACKSON FLAGSTAR CENTRE OFFICE
Apr 28, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Feb 6, 2019	Deed of Trust, Mortgage · VA Mortgage PAVIA FINANCIAL SERVICES INC
Oct 31, 2019	Deed of Trust, Mortgage · VA Mortgage PAVIA FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 26, 2004 · Amount on Record
Deed Sale	Jul 26, 2004 · Amount on Record
Prior Sale	Jan 2, 1996 · Amount on Record
Deed Document Number	2004698886
Prior Transfer Date	Nov 11, 1998
Prior Transfer Doc	0000742514
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4849 MARBLEHEAD BAY DR, OCEANSIDE, CA 92057-3411
Transaction Type	Mortgage
Record Updated	Aug 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4849 MARBLEHEAD BAY DR, OCEANSIDE, CA 92057-3411

Mortgage

Document Number	0000223620
Date	Aug 17, 2023
Instrument	2023-0223620

Lender

Name	JACKSON FLAGSTAR CENTRE OFFICE
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4849 MARBLEHEAD BAY DR, OCEANSIDE, CA 92057-3411
Transaction Type	Mortgage
Record Updated	Jun 10, 2021
Title Company	TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4849 MARBLEHEAD BAY DR, OCEANSIDE, CA 92057-3411

Mortgage

Document Number	0000327853
Date	Apr 28, 2021
Instrument	2021-0327853

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

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

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4849 MARBLEHEAD BAY DR, OCEANSIDE, CA 92057-3411
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4849 MARBLEHEAD BAY DR, OCEANSIDE, CA 92057-3411

Mortgage

Document Number	0000043487
Date	Feb 6, 2019
Instrument	2019-0043487

Lender

Name	PAVIA FINANCIAL SERVICES INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92127

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2049

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4849 MARBLEHEAD BAY DR, OCEANSIDE, CA 92057-3411
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000498829
Date	Oct 31, 2019
Instrument	2019-0498829

Lender

Name	PAVIA FINANCIAL SERVICES INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92127

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

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		$828,832 (+2%) Land $483,367 Building $345,465
2025	$9,263.00 (+5.17%)	$812,582 (+4.04%) Land $473,890 Building $338,692
2023	$8,808.00 (+1.53%)	$781,031 Land $455,490 Building $325,541
2022	$8,675.00

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 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

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

Wildfire Risk	Moderate above 55% of the US · lower than 67% of California
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 677 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Fiber · Cable in parts of the area	2,000 / 35
San Diego Broadband Fixed Wireless	500 / 100
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Verizon.

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