4859 Gardenia St, Oceanside, CA 92057 Property Records

San Diego County property record for 4859 Gardenia St, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,344 sqft · built 1986
Lot Size	0.114 acres (4,959 sqft)
Owner	Individual Name on Record
Last Sale	$810,000 (Feb 2026)
Tax Bill	$9,472 (2025)
Deeds & Mortgages	Feb 2026 Sale & Mortgage Mar 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`157-662-02-00`

Property Details

APN / Parcel Number

Primary APN	`157-662-02-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,344 sqft Living Area

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Lot Area	4,959 sqft (0.114 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	4859 GARDENIA ST
City	OCEANSIDE
State	CA
Zip	92057-5432
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-A
Legal Description	LOT 46 TR 011012
Legal Subdivision	MURRAY MISSION
Legal Tract	011012
Legal Block	2
Legal Lot Number	46
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1000
Census Tract	18520

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	Individual Name on Record
Mailing Address	4859 GARDENIA ST, OCEANSIDE, CA 92057-5432
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Widower

Deeds, Mortgages & Sale History

Date	Document
Feb 5, 2026	Grant Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Mar 3, 2022	Grant Deed, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Jul 15, 2019	Deed of Trust, Mortgage · VA Mortgage STEARNS LENDING LLC
Aug 20, 2020	Grant Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 5, 2026 · Amount on Record
Deed Sale	Feb 5, 2026 · Amount on Record
Prior Sale	Mar 3, 2022 · Amount on Record
Deed Document Number	202633147
Record Updated	Oct 29, 2026

February 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 5, 2026
Property Address	4859 GARDENIA ST, OCEANSIDE, CA 92057-5432
Document Number	0000033147
Map Reference	MAP 11012
Instrument Date	Dec 17, 2025
Instrument	2026-0033147
Transaction Type	Transfer
Record Updated	Feb 13, 2026
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000033148
Date	Feb 5, 2026
Instrument	2026-0033148

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

March 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 3, 2022
Property Address	4859 GARDENIA ST, OCEANSIDE, CA 92057-5432
Document Number	0000095127
Map Reference	MAP 11012
Instrument Date	Feb 7, 2022
Instrument	2022-0095127
Transaction Type	Transfer
Record Updated	Mar 11, 2022
Title Company	LAWYERS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4859 GARDENIA ST, OCEANSIDE, CA 92057-5432

Mortgage

Document Number	0000095128
Date	Mar 3, 2022
Instrument	2022-0095128

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2052

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4859 GARDENIA ST, OCEANSIDE, CA 92057-5432
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CORINTHIAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000282925
Date	Jul 15, 2019
Instrument	2019-0282925

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company
Address	SANTA ANA, CA 92707

Agreement

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

August 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 20, 2020
Property Address	4859 GARDENIA ST, OCEANSIDE, CA 92057-5432
Document Number	0000472083
Map Reference	MAP 11012
Instrument Date	Jul 28, 2020
Instrument	2020-0472083
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	CORINTHIAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4859 GARDENIA ST, OCEANSIDE, CA 92057-5432

Mortgage

Document Number	0000472084
Date	Aug 20, 2020
Instrument	2020-0472084

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

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		$867,027 (+2%) Land $525,827 Building $341,200
2025	$9,472.00 (+1.96%) Homeowner's exemption	$850,027 (+6.92%) Land $515,517 Building $334,510
2024	$9,290.00 (+6.05%)
2023	$8,760.00 (+44.75%) Homeowner's exemption	$795,000 Land $482,000 Building $313,000
2022	$6,052.00

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone A99, 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	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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