Arlan Lloyd
Responds Quickly
Premier Agent Network
(951) 477-4714
17 Total Sales
2 in North Valley
$550,000 Price Range
4856 Cardiff Bay Dr Unit 911 Oceanside, CA 92057
North Valley NeighborhoodEstimated Value: $1,039,000 - $1,162,515
5
Beds
3
Baths
2,428
Sq Ft
$457/Sq Ft
Est. Value
Highlights
- Solar Heated In Ground Pool
- Dual Staircase
- Main Floor Bedroom
- Open Floorplan
- Wood Flooring
- Steam Shower
About This Home
As of April 2026Step inside a home that feels open, bright, and easy to live in from the moment you enter. The living spaces flow comfortably together, creating room for both everyday living and gathering with friends and family. The kitchen connects naturally to the main living areas, while porcelain tile flooring downstairs and wood flooring upstairs add warmth and durability throughout. Large windows bring in natural light and create a welcoming atmosphere, and the primary suite features a steam shower. Outside, the backyard features a saltwater pool with solar heating, covered patio, and outdoor kitchen area with new BBQ and outdoor range, offering a private setting with outdoor fire pit, perfect for relaxing or entertaining. Paid solar and a whole house fan enhance energy efficiency and comfort, and the home also includes an EV charger. Surround sound with Bose speakers in the family room and outside adds an elevated entertainment experience. The backyard includes mature avocado trees, perfect for enjoying avocados right from your own backyard. Located in Oceanside near shopping, dining, and coastal conveniences, this home offers comfort, space, and a lifestyle that’s easy to enjoy. Come see for yourself.
Last Agent to Sell the Property
eXp Realty of Southern CA Brokerage Email: bernardahomes@gmail.com License #02079301 Listed on: 02/26/2026
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Home Details
Home Type
- Single Family
Year Built
- Built in 1997
Lot Details
- 12,632 Sq Ft Lot
- Privacy Fence
- Fenced
- Landscaped
- Level Lot
- Lawn
- Back and Front Yard
- Density is up to 1 Unit/Acre
- Property is zoned R1
HOA Fees
- $68 Monthly HOA Fees
Parking
- 3 Car Attached Garage
- Electric Vehicle Home Charger
- Parking Available
- Front Facing Garage
- Two Garage Doors
- Garage Door Opener
Home Design
- Entry on the 1st floor
- Turnkey
- Tile Roof
- Concrete Perimeter Foundation
Interior Spaces
- 2,428 Sq Ft Home
- 2-Story Property
- Open Floorplan
- Dual Staircase
- Wired For Sound
- Built-In Features
- High Ceiling
- Ceiling Fan
- Recessed Lighting
- Gas Fireplace
- Double Pane Windows
- Shutters
- Blinds
- Window Screens
- Sliding Doors
- Entryway
- Family Room with Fireplace
- Family Room Off Kitchen
- Living Room
- Dining Room
- Wood Flooring
- Neighborhood Views
Kitchen
- Open to Family Room
- Breakfast Bar
- Gas Oven
- Self-Cleaning Oven
- Built-In Range
- Range Hood
- Microwave
- Dishwasher
- Kitchen Island
- Granite Countertops
- Disposal
Bedrooms and Bathrooms
- 5 Bedrooms | 1 Main Level Bedroom
- Walk-In Closet
- Upgraded Bathroom
- 3 Full Bathrooms
- Quartz Bathroom Countertops
- Dual Vanity Sinks in Primary Bathroom
- Soaking Tub
- Bathtub with Shower
- Steam Shower
- Exhaust Fan In Bathroom
- Closet In Bathroom
Laundry
- Laundry Room
- Washer and Gas Dryer Hookup
Home Security
- Carbon Monoxide Detectors
- Fire and Smoke Detector
Pool
- Solar Heated In Ground Pool
- Saltwater Pool
- Fence Around Pool
Outdoor Features
- Covered Patio or Porch
- Exterior Lighting
- Outdoor Grill
Location
- Suburban Location
Schools
- El Camino High School
Utilities
- Whole House Fan
- Forced Air Heating and Cooling System
- Heating System Uses Natural Gas
- Gas Water Heater
Listing and Financial Details
- Tax Tract Number 12384
- Assessor Parcel Number 1223854500
Community Details
Overview
- The Crest At Whelan Ranch Association, Phone Number (760) 931-4180
- Association Management Group HOA
Amenities
- Laundry Facilities
Ownership History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
Date
Name
Owned For
Owner Type
Purchase Details
Listed on
Feb 26, 2026
Closed on
Mar 31, 2026
Sold by
Smith Ryan and Smith Leah G
Bought by
Seller's Agent
Janet Bernarda
eXp Realty of Southern CA
Buyer's Agent
Lynn Rinner
Coldwell Banker Realty
List Price
$1,175,000
Sold Price
$1,125,000
Premium/Discount to List
-$50,000
-4.26%
Views
128
Current Estimated Value
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
-$16,371
Avg. Annual Appreciation
-3.43%
Original Mortgage
$825,000
Outstanding Balance
$822,529
Interest Rate
6.01%
Mortgage Type
New Conventional
Estimated Equity
$286,101
Purchase Details
Closed on
Aug 6, 2004
Sold by
Rowley Glenn A and Rowley Anne J
Bought by
Smith Ryan M and Smith Leah G
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$500,000
Interest Rate
6.5%
Mortgage Type
Unknown
Purchase Details
Closed on
Feb 15, 2000
Sold by
Rowley Glenn A
Bought by
Rowley Glenn A and Rowley Anne J
Purchase Details
Closed on
Aug 15, 1997
Sold by
Rowley Anne J
Bought by
Rowley Glenn A
Purchase Details
Closed on
Jul 31, 1997
Sold by
Greystone Homes Inc
Bought by
Rowley Glenn A
Home Values in the Area
Average Home Value in this Area
Agents Specializing in North Valley, CA
-
Arlan Lloyd
-
Daniel Brown
Daniel Brown
Real Brokerage Technologies
(760) 539-8255
10 Total Sales
2 in North Valley
$1,120,000 Price Range
-
Nathan Barkley
Nathan Barkley
1st Class Real Estate SD
(858) 295-0282
41 Total Sales
1 in North Valley
$1,110,000 Price
-
Bryan Devore
Bryan Devore
Berkshire Hathaway HomeService
(442) 264-0879
189 Total Sales
1 in North Valley
$860,000 Price
-
Charmaine Hogan
Charmaine Hogan
Premiere Homes
(619) 257-6559
13 Total Sales
1 in North Valley
$555,000 Price
-
Mary Valentine- Frolander
Mary Valentine- Frolander
First Team Real Estate
(442) 237-9602
105 Total Sales
2 in North Valley
$750K - $1.2M Price Range
Purchase History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Buyer | Sale Price | Title Company |
|---|---|---|---|
| $1,125,000 | Fidelity National Title | ||
| Smith Ryan M | $625,000 | Chicago Title Co | |
| Rowley Glenn A | -- | -- | |
| Rowley Glenn A | -- | Lawyers Title | |
| Rowley Glenn A | $196,000 | Continental Lawyers Title Co |
Source: Public Records
Mortgage History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Status | Borrower | Loan Amount |
|---|---|---|---|
| Open | $825,000 | ||
| Previous Owner | Smith Ryan M | $451,000 | |
| Previous Owner | Smith Ryan M | $475,825 | |
| Previous Owner | Smith Ryan M | $60,019 | |
| Previous Owner | Smith Ryan M | $500,000 | |
| Previous Owner | Smith Ryan M | $62,500 | |
| Previous Owner | Smith Ryan M | $500,000 | |
| Previous Owner | Rowley Glenn A | $182,000 |
Source: Public Records
Property History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Event | Price | List to Sale | Price per Sq Ft |
|---|---|---|---|---|
| 04/07/2026 04/07/26 | Sold | $1,125,000 | -4.3% | $463 / Sq Ft |
| 03/14/2026 03/14/26 | Pending | -- | -- | -- |
| 02/26/2026 02/26/26 | For Sale | $1,175,000 | -- | $484 / Sq Ft |
Source: California Regional Multiple Listing Service (CRMLS)
Tax History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Year | Tax Paid | Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. | Land | Improvement |
|---|---|---|---|---|
| 2026 | $10,202 | $922,765 | $497,618 | $425,147 |
| 2025 | $10,202 | $904,672 | $487,861 | $416,811 |
| 2024 | $10,006 | $886,935 | $478,296 | $408,639 |
| 2023 | $9,698 | $869,545 | $468,918 | $400,627 |
| 2022 | $8,967 | $800,000 | $373,000 | $427,000 |
| 2021 | $7,698 | $670,000 | $313,000 | $357,000 |
| 2020 | $7,203 | $640,000 | $299,000 | $341,000 |
| 2019 | $6,801 | $610,000 | $285,000 | $325,000 |
| 2018 | $6,415 | $570,000 | $267,000 | $303,000 |
| 2017 | $6,031 | $535,000 | $251,000 | $284,000 |
| 2016 | $5,895 | $530,000 | $249,000 | $281,000 |
| 2015 | $5,756 | $525,000 | $247,000 | $278,000 |
| 2014 | $5,378 | $500,000 | $236,000 | $264,000 |
Source: Public Records
Agents Affiliated with this Home
-
Janet Bernarda
Seller's Agent in 2026
Janet Bernarda
eXp Realty of Southern CA
(858) 248-2869
2 in this area
14 Total Sales
-
Lynn Rinner
Buyer's Agent in 2026
Lynn Rinner
Coldwell Banker Realty
(714) 329-7089
4 in this area
65 Total Sales
Map
Source: California Regional Multiple Listing Service (CRMLS)
MLS Number: NDP2601829
APN: 122-385-45
Disclaimer: Certain information contained herein is derived from information provided by parties other than Homes.com. All information provided is deemed reliable, but is not guaranteed to be accurate and should be independently verified.
The multiple listing data appearing on this website, or contained in reports produced therefrom, is owned and copyrighted by California Regional Multiple Listing Service, Inc. ("CRMLS") and is protected by all applicable copyright laws. Information provided is for viewer's personal, non-commercial use and may not be used for any purpose other than to identify prospective properties the viewer may be interested in purchasing. All listing data, including but not limited to square footage and lot size is believed to be accurate, but the listing Agent, listing Broker and CRMLS and its affiliates do not warrant or guarantee such accuracy. The viewer should independently verify the listed data prior to making any decisions based on such information by personal inspection and/or contacting a real estate professional.
Based on information from California Regional Multiple Listing Service, Inc. and /or other sources. All data, including all measurements and calculations of area, is obtained from various sources and has not been, and will not be, verified by broker or MLS. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information
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