4886 Gardenia St, Oceanside, CA 92057 Property Records

San Diego County property record for 4886 Gardenia St, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,344 sqft · built 1986
Lot Size	0.12 acres (5,242 sqft)
Owner	Individual Name on Record
Last Sale	$470,000 (Aug 2019)
Tax Bill	$5,796 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Dec 2020 Mortgage + 4 more
Flood Zone	Zone X (moderate risk)
APN	`157-661-36-00`

Property Details

APN / Parcel Number

Primary APN	`157-661-36-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,344 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Stucco
Roof Material	Tile
Lot Area	5,242 sqft (0.12 acres)
View / Lot	River
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4886 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 36 TR 011012
Legal Subdivision	MURRAY MISSION
Legal Tract	011012
Legal Block	2
Legal Lot Number	36
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2000
Census Tract	18521

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	4886 GARDENIA ST, OCEANSIDE, CA 92057-5431
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2022	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Dec 10, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Aug 20, 2019	Affidavit of Death, Transfer LAWYERS TITLE
Aug 20, 2019	Grant Deed, Transfer · VA Mortgage QUICKEN LNS
Jan 23, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Jan 23, 2019	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 20, 2019 · Amount on Record
Deed Sale	Aug 20, 2019 · Amount on Record
Prior Sale	Dec 13, 1990 · Amount on Record
Deed Document Number	2019353480
Prior Transfer Date	Oct 12, 2018
Prior Transfer Doc	0000023502
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4886 GARDENIA ST, OCEANSIDE, CA 92057-5431
Transaction Type	Mortgage
Record Updated	Sep 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4886 GARDENIA ST, OCEANSIDE, CA 92057-5431

Mortgage

Document Number	0000339450
Date	Aug 24, 2022
Instrument	2022-0339450

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Sep 1, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4886 GARDENIA ST, OCEANSIDE, CA 92057-5431
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4886 GARDENIA ST, OCEANSIDE, CA 92057-5431

Mortgage

Document Number	0000795151
Date	Dec 10, 2020
Instrument	2020-0795151

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

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

August 2019: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 20, 2019
Property Address	4886 GARDENIA ST, OCEANSIDE, CA 92057-5431
Document Number	0000353479
Instrument Date	Jul 31, 2019
Instrument	353479
Transaction Type	Transfer
Record Updated	Aug 28, 2019
Title Company	LAWYERS TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4886 GARDENIA ST OCEANSIDE CA 920575431, OCEANSIDE, CA 92057-5431

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 20, 2019
Property Address	4886 GARDENIA ST, OCEANSIDE, CA 92057-5431
Document Number	0000353480
Instrument Date	Jul 18, 2019
Instrument	353480
Transaction Type	Transfer
Record Updated	Aug 28, 2019
Title Company	LAWYERS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$517.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1886 RDSTREET OCEANSIDE CA 92057, OCEANSIDE, CA 92057

Mortgage

Document Number	353481
Date	Aug 20, 2019
Instrument	353481

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 19, 2049

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 23, 2019
Property Address	4886 GARDENIA ST, OCEANSIDE, CA 92057-5431
Document Number	0000023502
Instrument Date	Oct 12, 2018
Instrument	23502
Transaction Type	Transfer
Record Updated	Jan 30, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	4886 GARDENIA ST OCEANSIDE CA 920575431, OCEANSIDE, CA 92057-5431

January 2019: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 23, 2019
Property Address	4886 GARDENIA ST, OCEANSIDE, CA 92057-5431
Document Number	0000023501
Instrument Date	Oct 12, 2018
Instrument	23501
Transaction Type	Transfer
Record Updated	Jan 30, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4886 GARDENIA ST OCEANSIDE CA 920575431, OCEANSIDE, CA 92057-5431

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		$524,288 (+2%) Land $329,075 Building $195,213
2025	$5,796.00 (+5.19%)	$514,009 (+4.04%) Land $322,623 Building $191,386
2023	$5,510.00 (+1.53%)	$494,052 Land $310,097 Building $183,955
2022	$5,427.00

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
Flood Insurance Cost	Premium on Record 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

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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