3206 Bernie Dr, Oceanside, CA 92056 Property Records

San Diego County property record for 3206 Bernie Dr, Oceanside, CA 92056

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,312 sqft · built 1977
Lot Size	0.147 acres (6,385 sqft)
Owner	2 Individual Names on Record
Last Sale	$450,000 (Apr 2016)
Tax Bill	$5,926 (2025)
Deeds & Mortgages	Mar 2020 Mortgage Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`166-650-09-00`

Property Details

APN / Parcel Number

Primary APN	`166-650-09-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,312 sqft Living Area
Basement Area	1,312 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Conventional
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	6,385 sqft (0.147 acres)
Lot Dimensions	150 ft deep x 50 ft wide
View / Lot	Good
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3206 BERNIE DR
City	OCEANSIDE
State	CA
Zip	92056-3816
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 56 TR 008430
Legal Subdivision	AMERICAN HERITAGE HOMES
Legal Tract	008430
Legal Block	1
Legal Lot Number	56
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1003
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	3206 BERNIE DR, OCEANSIDE, CA 92056-3816
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage NEW WAVE LENDING GROUP INC
Feb 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage NEW WAVE LENDING GROUP INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2016 · Amount on Record
Deed Sale	Apr 1, 2016 · Amount on Record
Prior Sale	Mar 11, 2011 · Amount on Record
Deed Document Number	2016145775
Prior Transfer Date	Oct 17, 2013
Prior Transfer Doc	0000638616
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3206 BERNIE DR, OCEANSIDE, CA 92056-3816
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	PROVIDENT TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000158118
Date	Mar 27, 2020
Instrument	2020-0158118

Lender

Name	NEW WAVE LENDING GROUP INC
Type	Non-Lending Institution
Address	ROWLAND HEIGHTS, CA 91748

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3206 BERNIE DR, OCEANSIDE, CA 92056-3816
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3206 BERNIE DR, OCEANSIDE, CA 92056-3816

Mortgage

Document Number	0000092939
Date	Feb 5, 2021
Instrument	2021-0092939

Lender

Name	NEW WAVE LENDING GROUP INC
Type	Non-Lending Institution
Address	ROWLAND HEIGHTS, CA 91748

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

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		$543,351 (+2%) Land $376,705 Building $166,646
2025	$5,926.00 (+5.24%) Homeowner's exemption	$532,698 (+4.04%) Land $369,319 Building $163,379
2023	$5,631.00 (+1.55%) Homeowner's exemption	$512,015 Land $354,979 Building $157,036
2022	$5,545.00

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 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 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	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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