3228 Bernie Dr, Oceanside, CA 92056 Property Records

San Diego County property record for 3228 Bernie Dr, Oceanside, CA 92056 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,312 sqft · built 1977
Lot Size	0.159 acres (6,937 sqft)
Owner	Company Name on File
Tax Bill	$5,265 (2025)
Deeds & Mortgages	May 2023 Line of Credit Feb 2022 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`166-650-15-00`

Property Details

APN / Parcel Number

Primary APN	`166-650-15-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,312 sqft Living Area
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	6,937 sqft (0.159 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
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	3228 BERNIE DR
City	OCEANSIDE
State	CA
Zip	92056-3816
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 50 TR 008430
Legal Subdivision	AMERICAN HERITAGE HOMES
Legal Tract	008430
Legal Block	1
Legal Lot Number	50
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 · APN 166-650-15-00

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	Company Name on File
Mailing Address	3228 BERNIE DR, OCEANSIDE, CA 92056-3816
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
May 04, 2023	Deed of Trust, Mortgage · Line of Credit MISSION FCU
Feb 08, 2022	Intrafamily Transfer, Transfer ACCOMMODATION
Feb 07, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Aug 08, 2018	Deed of Trust, Mortgage · Conventional Mortgage MOVEMENT MORTGAGE
Jul 06, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Dec 29, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Transfer Date	Feb 01, 2022
Transfer Doc	0000057944
Record Updated	Sep 20, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3228 BERNIE DR, OCEANSIDE, CA 92056-3816
Transaction Type	Mortgage
Record Updated	May 15, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3228 BERNIE DR, OCEANSIDE, CA 92056-3816

Mortgage

Document Number	0000115637
Date	May 04, 2023
Instrument	2023-0115637

Lender

Name	MISSION FCU
Type	Credit Union
Address	SAN DIEGO, CA 92191

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	May 31, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 08, 2022
Property Address	3228 BERNIE DR, OCEANSIDE, CA 92056-3816
Document Number	0000057944
Map Reference	MAP 8430
Instrument Date	Feb 01, 2022
Instrument	2022-0057944
Transaction Type	Transfer
Record Updated	Jun 07, 2023
Title Company	ACCOMMODATION

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
Address	3228 BERNIE DR, OCEANSIDE, CA 92056-3816

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 07, 2022
Property Address	3228 BERNIE DR, OCEANSIDE, CA 92056-3816
Document Number	0000057180
Map Reference	MAP 8430
Instrument Date	Jan 12, 2022
Instrument	2022-0057180
Transaction Type	Transfer
Record Updated	Feb 14, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

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
Address	3228 BERNIE DR, OCEANSIDE, CA 92056-3816

Mortgage

Document Number	0000057181
Date	Feb 07, 2022
Instrument	2022-0057181

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2052

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3228 BERNIE DR, OCEANSIDE, CA 92056-3816
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000325033
Date	Aug 08, 2018
Instrument	2018-0325033

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2048

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 06, 2018
Property Address	3228 BERNIE DR, OCEANSIDE, CA 92056-3816
Document Number	0000275663
Instrument Date	Jun 13, 2018
Instrument	275663
Transaction Type	Transfer
Record Updated	Jul 12, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	3228 BERNIE DR OCEANSIDE CA 920563816, OCEANSIDE, CA 92056-3816

December 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 29, 2017
Property Address	3228 BERNIE DR, OCEANSIDE, CA 92056-3816
Document Number	0000616905
Map Reference	MAP 8430
Instrument Date	Dec 22, 2017
Instrument	2017-0616905
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN TITLE SAN DIE

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
Address	3228 BERNIE DR, OCEANSIDE, CA 92056-3816

Mortgage

Document Number	0000616906
Date	Dec 29, 2017
Instrument	2017-0616906

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2048

Tax Assessment & Valuation

Source: San Diego County records · Assessment roll updated July 28, 2026 · Last verified August 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

Assessed value is set for property tax purposes and is not a market price estimate.

Year	Tax Bill	Assessed Value
2026		$482,980 (+2%) Land $313,938 Building $169,042
2025	$5,265.00 (+5.24%) Homeowner's exemption	$473,511 (+4.04%) Land $307,783 Building $165,728
2023	$5,003.00 (+1.56%) Homeowner's exemption	$455,127 Land $295,833 Building $159,294
2022	$4,926.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, San Diego County (06073C), updated September 3, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060730185171, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
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

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 544 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cox Communications	Cable	2,000 / 100
Verizon	Fixed Wireless	300 / 20
AT&T	Fixed Wireless	100 / 20
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	DSL	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: California Internet. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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