San Diego County property record for 3203 Bernie Dr, Oceanside, CA 92056
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,480 sqft · built 1977 |
| Lot Size | 0.142 acres (6,205 sqft) |
| Owner | Individual Name on File |
| Last Sale | $540,000 (Oct 2018) |
| Tax Bill | $6,705 (2025) |
| Deeds & Mortgages | May 2026 Sale Mar 2022 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 166-650-36-00 |
| Primary APN | 166-650-36-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,480 sqft Living Area |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Lot Area | 6,205 sqft (0.142 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 3203 BERNIE DR |
|---|---|
| City | OCEANSIDE |
| State | CA |
| Zip | 92056-3817 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS |
| Legal Description | LOT 71 TR 008430 |
| Legal Subdivision | AMERICAN HERITAGE HOMES |
| Legal Tract | 008430 |
| Legal Block | 1 |
| Legal Lot Number | 71 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | OCEANSIDE-ESCONDIDO |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 18517 |
Source: San Diego County records · APN 166-650-36-00
Assessment roll updated July 28, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 3203 BERNIE DR, OCEANSIDE, CA 92056-3817 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Sole Owner |
| Date | Document |
|---|---|
| May 26, 2026 | Deed, Transfer NONE LISTED ON DOCUMENT |
| Mar 16, 2022 | Intrafamily Transfer, Transfer |
| Jun 09, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MR COOPER |
| Oct 24, 2018 | Grant Deed, Transfer · Conventional Mortgage SPEC HM LOANS |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 24, 2018 · Amount on Record |
| Deed Sale | Oct 24, 2018 · Amount on Record |
| Prior Sale | Jan 25, 2008 · Amount on Record |
| Deed Document Number | 2018443854 |
| Prior Transfer Date | Jan 03, 2008 |
| Prior Transfer Doc | 0000091179 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | May 26, 2026 |
| Property Address | 3203 BERNIE DR, OCEANSIDE, CA 92056-3817 |
| Document Number | 0000148278 |
| Instrument Date | May 22, 2026 |
| Instrument | 2026148278 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 3203 BERNIE DR, OCEANSIDE, CA 92056-3817 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Mar 16, 2022 |
| Property Address | 3203 BERNIE DR, OCEANSIDE, CA 92056-3817 |
| Document Number | 0000117166 |
| Map Reference | MAP 8430 |
| Instrument Date | Mar 14, 2022 |
| Instrument | 2022-0117166 |
| Transaction Type | Transfer |
| Record Updated | Jun 07, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | PO BOX 5917, OCEANSIDE, CA 92052-5917 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 3203 BERNIE DR, OCEANSIDE, CA 92056-3817 |
| Document Number | 0000312942 |
| Instrument Date | Jun 09, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3203 BERNIE DR OCEANSIDE CA 920563817, OCEANSIDE, CA 92056-3817 |
| Document Number | 0000312942 |
|---|---|
| Date | Jun 17, 2020 |
| Instrument | 312942 |
| Name | MR COOPER |
|---|---|
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 16, 2035 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Oct 24, 2018 |
| Property Address | 3203 BERNIE DR, OCEANSIDE, CA 92056-3817 |
| Document Number | 0000443854 |
| Instrument Date | Oct 23, 2018 |
| Instrument | 443854 |
| Transaction Type | Transfer |
| Record Updated | Nov 01, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $594.00 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | PO BOX 890743 TEMECULA CA 925890743, TEMECULA, CA 92589-0743 |
| Document Number | 443855 |
|---|---|
| Date | Oct 24, 2018 |
| Instrument | 443855 |
| Name | SPEC HM LOANS |
|---|---|
| Address | LA VERNE, CA 91750 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Oct 23, 2033 |
Source: San Diego County records · Assessment roll updated July 28, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Municipality | Oceanside City |
| Unified School District | Oceanside Unified School District (KG - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $614,421 (+2%) Land $389,136 Building $225,285 | |
| 2025 | $6,705.00 (+5.23%) Homeowner's exemption | $602,374 (+4.04%) Land $381,506 Building $220,868 |
| 2023 | $6,372.00 (+1.56%) Homeowner's exemption | $578,986 Land $366,693 Building $212,293 |
| 2022 | $6,274.00 |
Source: FEMA National Flood Hazard Layer as of September 3, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.2% of California |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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 USA Fixed Wireless | 100 / 20 |
May also be available: California Internet.
Based on FCC filings for 544 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | La Jolla Western tribal government · serves 296 people |
|---|---|
| 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 |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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