4898 Gardenia St, Oceanside, CA 92057 Property Records

San Diego County property record for 4898 Gardenia St, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,344 sqft · built 1986
Lot Size	0.125 acres (5,431 sqft)
Owner	2 Individual Names on Record
Last Sale	$515,000 (Sep 2020)
Tax Bill	$6,281 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Sep 2020 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`157-661-33-00`

Property Details

APN / Parcel Number

Primary APN	`157-661-33-00`

Interior

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

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Stucco
Roof Material	Tile
Lot Area	5,431 sqft (0.125 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	4898 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 33 TR 011012
Legal Subdivision	MURRAY MISSION
Legal Tract	011012
Legal Block	2
Legal Lot Number	33
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	2 Individual Names on Record
Mailing Address	4898 GARDENIA ST, OCEANSIDE, CA 92057-5431
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 23, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Sep 1, 2020	Grant Deed, Transfer · Conventional Mortgage KEY BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 2020 · Amount on Record
Deed Sale	Sep 1, 2020 · Amount on Record
Prior Sale	Aug 31, 2009 · Amount on Record
Deed Document Number	2020505103
Prior Transfer Date	Jul 22, 2003
Prior Transfer Doc	0000991991
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4898 GARDENIA ST, OCEANSIDE, CA 92057-5431
Transaction Type	Mortgage
Record Updated	Sep 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4898 GARDENIA ST, OCEANSIDE, CA 92057-5431

Mortgage

Document Number	0000338109
Date	Aug 23, 2022
Instrument	2022-0338109

Lender

Name	PNC BANK NA
Type	Bank
Address	WAYNE, PA 19087

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	479 Months
Due	Jul 19, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 1, 2020
Property Address	4898 GARDENIA ST, OCEANSIDE, CA 92057-5431
Document Number	0000505103
Map Reference	MAP 11012
Instrument Date	Jul 23, 2020
Instrument	2020-0505103
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	LAWYERS TITLE SAN DIEGO

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
Relationship	Joint Tenants
Address	4898 GARDENIA ST, OCEANSIDE, CA 92057-5431

Mortgage

Document Number	0000505104
Date	Sep 1, 2020
Instrument	2020-0505104

Lender

Name	KEY BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 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		$568,596 (+2%) Land $346,709 Building $221,887
2025	$6,281.00 (+5.17%)	$557,448 (+4.04%) Land $339,911 Building $217,537
2023	$5,972.00 (+1.53%)	$535,804 Land $326,713 Building $209,091
2022	$5,882.00

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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