4889 Cardiff Bay Dr, Oceanside, CA 92057 Property Records

San Diego County property record for 4889 Cardiff Bay Dr, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,428 sqft · built 1995
Lot Size	0.161 acres (6,994 sqft)
Owner	2 Individual Names on File
Last Sale	$171,000 (Feb 1996)
Tax Bill	$3,671 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Sep 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`122-386-29-00`

Property Details

APN / Parcel Number

Primary APN	`122-386-29-00`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Building Area	2,428 sqft Living Area

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Lot Area	6,994 sqft (0.161 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	4889 CARDIFF BAY DR
City	OCEANSIDE
State	CA
Zip	92057-3417
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 707 TR 012385
Legal Subdivision	WHELAN RANCH
Legal Tract	012385
Legal Block	1
Legal Lot Number	707
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1011
Census Tract	18617

Owner

4889 Cardiff Bay Dr is owned and occupied by two individuals who bought it in February 1996.

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

Owner of Record	2 Individual Names on File
Mailing Address	4889 CARDIFF BAY DR, OCEANSIDE, CA 92057-3417
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Sep 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage GOODLEAP LLC
Sep 11, 2018	Deed of Trust, Mortgage · Conventional Mortgage DITECH FINANCIAL LLC
Jul 31, 2019	Deed of Trust, Mortgage · Conventional Mortgage PARAMOUNT EQUITY MORTGAGE LLC
Oct 23, 2020	Deed of Trust, Mortgage · FHA Mortgage LOANPAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 27, 1996 · Amount on File
Deed Sale	Feb 27, 1996 · Amount on File
Deed Document Number	199695471
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4889 CARDIFF BAY DR, OCEANSIDE, CA 92057-3417
Transaction Type	Mortgage
Record Updated	Oct 6, 2021
Title Company	NATIONAL CLOSING SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4889 CARDIFF BAY DR, OCEANSIDE, CA 92057-3417

Mortgage

Document Number	0000681804
Date	Sep 28, 2021
Instrument	2021-0681804

Lender

Name	GOODLEAP LLC
Type	Non-Lending Institution
Address	ROSEVILLE, CA 95661

Agreement

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

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4889 CARDIFF BAY DR, OCEANSIDE, CA 92057-3417
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE INSURAN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000375380
Date	Sep 11, 2018
Instrument	2018-0375380

Lender

Name	DITECH FINANCIAL LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2048

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4889 CARDIFF BAY DR, OCEANSIDE, CA 92057-3417
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NATIONAL CLOSING SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000316335
Date	Jul 31, 2019
Instrument	2019-0316335

Lender

Name	PARAMOUNT EQUITY MORTGAGE LLC
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4889 CARDIFF BAY DR, OCEANSIDE, CA 92057-3417
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NATIONAL CLOSING SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4889 CARDIFF BAY DR, OCEANSIDE, CA 92057-3417

Mortgage

Document Number	0000652954
Date	Oct 23, 2020
Instrument	2020-0652954

Lender

Name	LOANPAL LLC
Type	Non-Lending Institution
Address	ROSEVILLE, CA 95661

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 4889 Cardiff Bay Dr was $3,671 with a homeowner's exemption.

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		$326,669 (+2%) Land $69,463 Building $257,206
2025	$3,671.00 Homeowner's exemption	$320,264 Land $68,101 Building $252,163
2023	$3,488.00 (+1.57%) Homeowner's exemption	$307,829 Land $65,457 Building $242,372
2022	$3,434.00

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

Flood

FEMA maps place 4889 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 4889 Cardiff Bay Dr is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · lower than 80% of California
Wildfire Likelihood	0.05% 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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