3173 Bernie Dr, Oceanside, CA 92056 Property Records

San Diego County property record for 3173 Bernie Dr, Oceanside, CA 92056

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,746 sqft · built 1985
Lot Size	0.189 acres (8,229 sqft)
Owner	Individual Name on Record
Last Sale	$830,000 (Sep 2021)
Tax Bill	$9,894 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`166-702-20-00`

Property Details

APN / Parcel Number

Primary APN	`166-702-20-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,746 sqft Living Area

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Lot Area	8,229 sqft (0.189 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	3173 BERNIE DR
City	OCEANSIDE
State	CA
Zip	92056-3819
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 22 TR 009331
Legal Subdivision	MIRA COSTA ESTATES
Legal Tract	009331
Legal Block	1
Legal Lot Number	22
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1002
Census Tract	18517

Owner

Source: San Diego County records, as of July 21, 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	3173 BERNIE DR, OCEANSIDE, CA 92056-3819
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2021	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage OPTIMUM FIRST INC
Nov 20, 2019	Deed of Trust, Mortgage · Conventional with PMI OPTIMUM FIRST INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 2, 2021 · Amount on Record
Deed Sale	Sep 2, 2021 · Amount on Record
Prior Sale	Aug 17, 2015 · Amount on Record
Deed Document Number	2021626462
Prior Transfer Date	Aug 9, 2005
Prior Transfer Doc	0000717093
Record Updated	Sep 20, 2026

September 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 2, 2021
Property Address	3173 BERNIE DR, OCEANSIDE, CA 92056-3819
Document Number	0000626462
Map Reference	MAP 9331
Instrument Date	Aug 30, 2021
Instrument	2021-0626462
Transaction Type	Transfer
Record Updated	Sep 13, 2021
Title Company	FIDELITY NATL TTL 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
Address	3173 BERNIE DR, OCEANSIDE, CA 92056-3819

Mortgage

Document Number	0000626463
Date	Sep 2, 2021
Instrument	2021-0626463

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3173 BERNIE DR, OCEANSIDE, CA 92056-3819
Document Number	0000422394
Instrument Date	Jul 26, 2020
Transaction Type	Mortgage
Record Updated	Aug 11, 2020
Title Company	WFG NATIONAL TITLE COMPANY, WFG NAT'L TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	3173 BERNIE DR OCEANSIDE CA 920563819, OCEANSIDE, CA 92056-3819

Mortgage

Document Number	0000422394
Date	Jul 31, 2020
Instrument	422394

Lender

Name	OPTIMUM FIRST INC
Address	FOUNTAIN VALLEY, CA 92708

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 30, 2050

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3173 BERNIE DR, OCEANSIDE, CA 92056-3819
Document Number	0000550936
Instrument Date	Nov 20, 2019
Transaction Type	Mortgage
Record Updated	Dec 6, 2019
Title Company	WFG NATIONAL TITLE COMPANY, WFG NAT'L TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	3173 BERNIE DR OCEANSIDE CA 920563819, OCEANSIDE, CA 92056-3819

Mortgage

Document Number	0000550936
Date	Nov 26, 2019
Instrument	550936

Lender

Name	OPTIMUM FIRST INC
Address	FOUNTAIN VALLEY, CA 92708

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 25, 2049

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 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		$898,416 (+2%) Land $649,458 Building $248,958
2025	$9,894.00 (+5.18%)	$880,801 (+4.04%) Land $636,724 Building $244,077
2023	$9,407.00 (+1.53%)	$846,600 Land $612,000 Building $234,600
2022	$9,265.00

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2025)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2025 · rainfall accumulation

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 98% of the US · lower than 98.4% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	La Jolla Western tribal government · serves 296 people · EPA ID 090605008
Water Source	Groundwater
Last State Inspection	Apr 2021
Also Mapped Here	SAN DIEGO COUNTY WATER AUTHORITY, CITY OF OCEANSIDE
Lead	Below detection (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 563 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
FiberFirst Fiber	5,000 / 5,000
Cox Communications Cable	2,000 / 100
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: GeoLinks, Verizon.

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