4864 Cardiff Bay Dr, Oceanside, CA 92057 Property Records

San Diego County property record for 4864 Cardiff Bay Dr, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,576 sqft · built 1997
Lot Size	0.37 acres (16,101 sqft)
Owner	2 Individual Names on File
Last Sale	$212,000 (Jun 1997)
Tax Bill	$4,080 (2025)
Deeds & Mortgages	Jul 2021 Line of Credit Jun 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`122-385-47-00`

Property Details

APN / Parcel Number

Primary APN	`122-385-47-00`

Interior

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

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Lot Area	16,101 sqft (0.37 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	4864 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 650 TR 012384
Legal Subdivision	WHELAN RANCH
Legal Tract	012384
Legal Block	1
Legal Lot Number	650
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1003
Census Tract	18617

Owner

4864 Cardiff Bay Dr is owned and occupied by two individuals who bought it in June 1997.

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 File
Mailing Address	4864 CARDIFF BAY DR, OCEANSIDE, CA 92057-3413
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2021	Deed of Trust, Mortgage · Line of Credit MUFG UNION BANK NA
Jun 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage MUFG UNION BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 19, 1997 · Amount on File
Deed Sale	Jun 19, 1997 · Amount on File
Deed Document Number	1997286330
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4864 CARDIFF BAY DR, OCEANSIDE, CA 92057-3413
Transaction Type	Mortgage
Record Updated	Aug 6, 2021
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000537637
Date	Jul 28, 2021
Instrument	2021-0537637

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4864 CARDIFF BAY DR, OCEANSIDE, CA 92057-3413
Transaction Type	Mortgage
Record Updated	Jun 23, 2021
Title Company	TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4864 CARDIFF BAY DR, OCEANSIDE, CA 92057-3413

Mortgage

Document Number	0000437579
Date	Jun 14, 2021
Instrument	2021-0437579

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 4864 Cardiff Bay Dr was $4,080.

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		$356,861 (+2%) Land $94,678 Building $262,183
2025	$4,080.00	$349,865 Land $92,822 Building $257,043
2023	$3,880.00 (+1.54%)	$336,280 Land $89,218 Building $247,062
2022	$3,821.00

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

Flood

FEMA maps place 4864 Cardiff Bay Dr in Zone X, an area of minimal flood risk.

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
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 4864 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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