4882 Gardenia St, Oceanside, CA 92057 Property Records

San Diego County property record for 4882 Gardenia St, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,411 sqft · built 1986
Lot Size	0.116 acres (5,037 sqft)
Owner	Individual Name on File
Last Sale	$700,000 (Aug 2021)
Tax Bill	$8,275 (2025)
Deeds & Mortgages	Apr 2026 Sale Apr 2026 Transfer + 4 more
Flood Zone	Zone X (moderate risk)
APN	`157-661-37-00`

Property Details

APN / Parcel Number

Primary APN	`157-661-37-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,411 sqft Living Area

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Lot Area	5,037 sqft (0.116 acres)
View / Lot	River
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	4882 GARDENIA ST
City	OCEANSIDE
State	CA
Zip	92057-5431
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-A
Legal Description	LOT 37 TR 011012
Legal Subdivision	MURRAY MISSION
Legal Tract	011012
Legal Block	2
Legal Lot Number	37
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2000
Census Tract	18521

Owner

4882 Gardenia St is owned and occupied by an individual who bought it in August 2021.

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

Owner of Record	Individual Name on File
Mailing Address	4882 GARDENIA ST, OCEANSIDE, CA 92057-5431
Occupancy	Owner Occupied
Owner Type	Individual

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
Apr 21, 2026	Affidavit, Transfer
Apr 21, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Apr 21, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Aug 30, 2021	Intrafamily Transfer, Transfer CORINTHIAN TITLE COMPANY
Aug 30, 2021	Grant Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
May 28, 2020	Deed of Trust, Mortgage · Conventional with PMI FIRST NATIONS HM FIN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 30, 2021 · Amount on File
Deed Sale	Aug 30, 2021 · Amount on File
Prior Sale	Aug 29, 2016 · Amount on File
Deed Document Number	2021617019
Prior Transfer Date	May 4, 1994
Prior Transfer Doc	0000345823
Record Updated	Oct 29, 2026

April 2026: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 21, 2026
Property Address	4882 GARDENIA ST, OCEANSIDE, CA 92057-5431
Document Number	0000110412
Instrument Date	Apr 14, 2026
Instrument	2026110412
Transaction Type	Transfer
Record Updated	Aug 27, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 21, 2026
Property Address	4882 GARDENIA ST, OCEANSIDE, CA 92057-5431
Document Number	0000110413
Instrument Date	Apr 6, 2026
Instrument	2026110413
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	4882 GARDENIA ST, OCEANSIDE, CA 92057-5431

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 21, 2026
Property Address	4882 GARDENIA ST, OCEANSIDE, CA 92057-5431
Document Number	0000110414
Instrument Date	Apr 6, 2026
Instrument	2026110414
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	4882 GARDENIA ST, OCEANSIDE, CA 92057-5431

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 30, 2021
Property Address	4882 GARDENIA ST, OCEANSIDE, CA 92057-5431
Document Number	0000617018
Map Reference	MAP 11012
Instrument Date	Aug 27, 2021
Instrument	2021-0617018
Transaction Type	Transfer
Record Updated	Sep 8, 2021
Title Company	CORINTHIAN TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4882 GARDENIA ST, OCEANSIDE, CA 92057-5431

August 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 30, 2021
Property Address	4882 GARDENIA ST, OCEANSIDE, CA 92057-5431
Document Number	0000617019
Map Reference	MAP 11012
Instrument Date	Jul 12, 2021
Instrument	2021-0617019
Transaction Type	Transfer
Record Updated	Sep 8, 2021
Title Company	CORINTHIAN TITLE-SD, CORINTHIAN TITLE

Transaction

Amount	Amount on Record
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
Relationship	Tenants in Common
Address	4882 GARDENIA ST, OCEANSIDE, CA 92057-5431

Mortgage

Document Number	0000617020
Date	Aug 30, 2021
Instrument	2021-0617020

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4882 GARDENIA ST, OCEANSIDE, CA 92057-5431
Document Number	0000279994
Instrument Date	May 28, 2020
Transaction Type	Mortgage
Record Updated	Jun 10, 2020
Title Company	CHICAGO TITLE COMPANY-SD, CHICAGO TITLE CO-SD

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4882 GARDENIA ST OCEANSIDE CA 920575431, OCEANSIDE, CA 92057-5431

Mortgage

Document Number	0000279994
Date	Jun 2, 2020
Instrument	279994

Lender

Name	FIRST NATIONS HM FIN
Type	Funding / Finance Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 4882 Gardenia St was $8,275, up 2% 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		$757,698 (+2%) Land $394,342 Building $363,356
2025	$8,275.00 (+1.97%) Homeowner's exemption	$742,842 Land $386,610 Building $356,232
2024	$8,115.00 (+3.19%)
2023	$7,864.00 (+1.55%) Homeowner's exemption	$713,999 Land $371,599 Building $342,400
2022	$7,744.00

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

Flood

FEMA maps place 4882 Gardenia St in Zone X, an area of moderate 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 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
Flood Insurance Cost	Premium on File median of 16 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	16 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 4882 Gardenia St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 93% of the US · lower than 96% of California
Wildfire Likelihood	Under 0.01% 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 505 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	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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