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3265 Viscaya Way, Oceanside, CA 92056 Property Records

San Diego County property record for 3265 Viscaya Way, Oceanside, CA 92056

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 1,995 sqft · built 1990
Lot Size0.129 acres (5,598 sqft)
OwnerIndividual Name on Record
Last Sale$989,000 (Jan 2024)
Tax Bill$11,678 (2025)
Deeds & MortgagesAug 2024 Mortgage
Jan 2024 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN165-684-10-00

Property Details

APN / Parcel Number

Primary APN165-684-10-00
Alternative APN
  • 1656834900

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Building Area1,995 sqft Living Area

Exterior

Year BuiltBuilt 1990
Effective Year BuiltEffective 1990
Lot Area5,598 sqft (0.129 acres)
Garage TypeCarport
CarportCarport
Parking Spaces2 Parking Spaces

Location & Zoning

Old Parcel Number1656834900
Street Address3265 VISCAYA WAY
CityOCEANSIDE
StateCA
Zip92056-3239
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePD-2
Legal DescriptionLOT 49 TR 012027
Legal SubdivisionDEL ORO HILLS
Legal Tract012027
Legal Block3
Legal Lot Number49
JurisdictionSAN DIEGO CA
Township / Civil DivisionOCEANSIDE-ESCONDIDO
Census Block Group3
Census Block3002
Census Tract18515

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 RecordIndividual Name on Record
Mailing Address3265 VISCAYA WAY, OCEANSIDE, CA 92056-3239
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 29, 2024Deed of Trust, Mortgage · Conventional Mortgage
INDEPENDENT FINANCIAL SERVICES GROUP INC
Jan 8, 2024Grant Deed, Transfer · Conventional Mortgage
INDEPENDENT FINANCIAL SERVICES GROU

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJan 8, 2024 · Amount on Record
Deed SaleJan 8, 2024 · Amount on Record
Prior SaleOct 20, 2015 · Amount on Record
Deed Document Number20244829
Prior Transfer DateMar 26, 2009
Prior Transfer Doc0000156348
Record UpdatedOct 29, 2026

August 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address3265 VISCAYA WAY, OCEANSIDE, CA 92056-3239
Transaction TypeMortgage
Record UpdatedJun 8, 2026
Title CompanyFIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

NameVerified Name
Address3265 VISCAYA WAY, OCEANSIDE, CA 92056-3239

Mortgage

Document Number0000232115
DateAug 29, 2024
Instrument2024-0232115
Lender
NameINDEPENDENT FINANCIAL SERVICES GROUP INC
TypeMortgage Company
AddressLAKE FOREST, CA 92630
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 1, 2054

January 2024: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSAN DIEGO CA
Recording DateJan 8, 2024
Property Address3265 VISCAYA WAY, OCEANSIDE, CA 92056-3239
Document Number0000004829
Map ReferenceMAP 12027
Instrument DateDec 13, 2023
Instrument2024-0004829
Transaction TypeTransfer
Record UpdatedJan 16, 2024
Title CompanyTICOR TITLE COMPANY/CA SAN DIEGO, TICOR TITLE CO SAN DIEGO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address7230 MIMOSA DR, CARLSBAD, CA 92011-5135

Mortgage

Document Number0000004830
DateJan 8, 2024
Instrument2024-0004830
Lender
NameINDEPENDENT FINANCIAL SERVICES GROU
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 1, 2054

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 28, 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySan Diego County
MunicipalityOceanside City
Unified School DistrictOceanside Unified School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed Value
2026$1,028,955 (+2%) Land $728,280 Building $300,675
2025$11,678.00 (+1.19%) Homeowner's exemption$1,008,780 (+388.8%) Land $714,000 Building $294,780
2024$11,541.00 (+329.83%)
2023$2,685.00 (-56.28%) Homeowner's exemption$206,379 Land $50,497 Building $155,882
2022$6,141.00

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies1 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 RiskLow
lower than 99.1% of the US · lower than 99.2% of California
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemLa Jolla Western
tribal government · serves 296 people · EPA ID 090605008
Water SourceGroundwater
Last State InspectionApr 2021
Also Mapped HereSAN DIEGO COUNTY WATER AUTHORITY, CITY OF OCEANSIDE
LeadBelow detection (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 522 locations within half a mile, as of December 31, 2025

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

May also be available: FiberFirst, GeoLinks, Verizon.

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