3176 Isabella Dr, Oceanside, CA 92056 Property Records

San Diego County property record for 3176 Isabella Dr, Oceanside, CA 92056

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,026 sqft · built 1973
Lot Size	0.103 acres (4,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$685,000 (Apr 2026)
Tax Bill	$2,448 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Apr 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`165-412-07-00`

Property Details

APN / Parcel Number

Primary APN	`165-412-07-00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,026 sqft Living Area

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Lot Area	4,500 sqft (0.103 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	3176 ISABELLA DR
City	OCEANSIDE
State	CA
Zip	92056-3901
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-A
Legal Description	LOT 314 TR 007100
Legal Subdivision	COSTA SERENA
Legal Tract	007100
Legal Block	2
Legal Lot Number	314
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2005
Census Tract	18517

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	3176 ISABELLA DR, OCEANSIDE, CA 92056-3901
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2026	Deed of Trust, Mortgage · Line of Credit MISSION FEDERAL CREDIT UNION
Apr 25, 2022	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
Apr 22, 2026	Grant Deed, Transfer · Conventional Mortgage MISSION FEDERAL CREDIT UNION
Apr 18, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage NAVY FCU
Apr 24, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 22, 2026 · Amount on Record
Deed Sale	Apr 22, 2026 · Amount on Record
Prior Sale	Aug 16, 2011 · Amount on Record
Deed Document Number	2026112657
Prior Transfer Date	Apr 5, 2017
Prior Transfer Doc	0000181752
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 13, 2026
Property Address	3176 ISABELLA DR, OCEANSIDE, CA 92056-3901
Document Number	0000199500
Instrument Date	Jul 3, 2026
Instrument	2026199500
Transaction Type	Mortgage
Record Updated	Jul 21, 2026
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3176 ISABELLA DR, OCEANSIDE, CA 92056-3901

Mortgage

Document Number	0000199500,
Date	Jul 13, 2026
Instrument	2026199500

Lender

Name	MISSION FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jul 31, 2051

Interest

Rate	6.48%
Max Rate	-1%

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3176 ISABELLA DR, OCEANSIDE, CA 92056-3901
Transaction Type	Mortgage
Record Updated	May 4, 2026
Title Company	NAVY FEDERAL TITLE AGENCY LLC, NAVY FEDERAL TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3669 MIRA PACIFIC DR, OCEANSIDE, CA 92056-3954

Mortgage

Document Number	0000178788
Date	Apr 25, 2022
Instrument	2022-0178788

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

April 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 22, 2026
Property Address	3176 ISABELLA DR, OCEANSIDE, CA 92056-3901
Document Number	0000112657
Instrument Date	Apr 16, 2026
Instrument	2026112657
Transaction Type	Transfer
Record Updated	Jul 6, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$76,103.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	3176 ISABELLA DR, OCEANSIDE, CA 92056-3901

Mortgage

Document Number	0000112658,
Date	Apr 22, 2026
Instrument	2026112658

Lender

Name	MISSION FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 18, 2022
Property Address	3176 ISABELLA DR, OCEANSIDE, CA 92056-3901
Document Number	0000167294
Map Reference	MAP 7100
Instrument Date	Apr 12, 2022
Instrument	2022-0167294
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	NAVY FEDERAL TITLE/CALIFORNIA, NAVY FEDERAL TITLE OF CA INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	3176 ISABELLA DR, OCEANSIDE, CA 92056-3901

Mortgage

Document Number	0000167295
Date	Apr 18, 2022
Instrument	2022-0167295

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 24, 2017
Property Address	3176 ISABELLA DR, OCEANSIDE, CA 92056-3901
Document Number	0000181752
Instrument Date	Apr 5, 2017
Instrument	181752
Transaction Type	Transfer
Record Updated	Apr 28, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3669 MIRA PACIFIC DR OCEANSIDE CA 920563954, OCEANSIDE, CA 92056-3954

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		$218,652 (+2%) Land $121,704 Building $96,948
2025	$2,448.00 (+2%)	$214,366 (+4.04%) Land $119,318 Building $95,048
2024	$2,400.00 (+3.14%)
2023	$2,327.00 (+19.09%)	$206,044 Land $114,686 Building $91,358
2022	$1,954.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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	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

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

Wildfire Risk	Not rated no burnable land within 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	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 544 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T Fixed Wireless · DSL	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks.

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