498 Moraga Way, Oceanside, CA 92058 Property Records

San Diego County property record for 498 Moraga Way, Oceanside, CA 92058

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,511 sqft · built 2001
Lot Size	0.158 acres (6,870 sqft)
Owner	2 Individual Names on File
Last Sale	$805,000 (Apr 2023)
Tax Bill	$9,411 (2025)
Deeds & Mortgages	Apr 2023 Sale & Mortgage
Flood Zone	Zone A99 (high risk)
APN	`158-672-24-00`

Property Details

APN / Parcel Number

Primary APN	`158-672-24-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,511 sqft Living Area

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Lot Area	6,870 sqft (0.158 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	498 MORAGA WAY
City	OCEANSIDE
State	CA
Zip	92058-7998
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-H
Legal Description	LOT 76 TR 013723
Legal Subdivision	RIO VISTA
Legal Tract	013723
Legal Block	2
Legal Lot Number	76
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2000
Census Tract	18622

Owner

498 Moraga Way is owned and occupied by two individuals who bought it in April 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	498 MORAGA WAY, OCEANSIDE, CA 92058-7998
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 7, 2023 · Amount on File
Deed Sale	Apr 7, 2023 · Amount on File
Prior Sale	Apr 8, 2011
Deed Document Number	202391580
Prior Transfer Date	Sep 15, 2022
Prior Transfer Doc	0000367107
Record Updated	Oct 29, 2026

April 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 7, 2023
Property Address	498 MORAGA WAY, OCEANSIDE, CA 92058-7998
Document Number	0000091580
Map Reference	FILE 1999-0095438
Instrument Date	Mar 1, 2023
Instrument	2023-0091580
Transaction Type	Transfer
Record Updated	Apr 18, 2023
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

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	Community Property
Address	498 MORAGA WAY, OCEANSIDE, CA 92058-7998

Mortgage

Document Number	0000091581
Date	Apr 7, 2023
Instrument	2023-0091581

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 498 Moraga Way was $9,411.

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		$854,271 (+2%) Land $683,417 Building $170,854
2025	$9,411.00	$837,521 Land $670,017 Building $167,504
2023	$8,340.00 (+83.22%)	$750,000 Land $600,000 Building $150,000
2022	$4,552.00

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

Flood

FEMA maps place 498 Moraga Way in Zone A99, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 3, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A99 high risk · federal flood protection under construction
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 69 individual policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	102 units insured incl. 33 condo units

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 498 Moraga Way is low, with 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 80% of the US · lower than 88% of California
Wildfire Likelihood	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 477 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
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: San Diego Broadband, T-Mobile.

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