3406 Dunes Pl, Oceanside, CA 92054 Property Records

San Diego County property record for 3406 Dunes Pl, Oceanside, CA 92054

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,150 sqft · built 1963
Lot Size	0.204 acres (8,900 sqft)
Owner	2 Individual Names on Record
Last Sale	$259,000 (Sep 2009)
Tax Bill	$3,710 (2025)
Deeds & Mortgages	Mar 2022 Mortgage May 2018 Second Mortgage
Flood Zone	Zone A99 (high risk)
APN	`160-051-19-00`

Property Details

APN / Parcel Number

Primary APN	`160-051-19-00`
Alternative APN	`1600600400`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,150 sqft Living Area

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Lot Area	8,900 sqft (0.204 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	1600600400
Street Address	3406 DUNES PL
City	OCEANSIDE
State	CA
Zip	92054-3802
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 137 TR 004838
Legal Subdivision	SAN LUIS REY DOWNS
Legal Tract	004838
Legal Block	2
Legal Lot Number	137
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2008
Census Tract	18510

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	3406 DUNES PL, OCEANSIDE, CA 92054-3802
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2022	Deed of Trust, Mortgage · Conventional Mortgage SAN DIEGO COUNTY CU
May 4, 2018	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SAN DIEGO COUNTY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2009 · Amount on Record
Deed Sale	Sep 30, 2009 · Amount on Record
Prior Sale	May 31, 1991 · Amount on Record
Deed Document Number	2009541028
Prior Transfer Date	Oct 5, 1993
Prior Transfer Doc	0000679641
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3406 DUNES PL, OCEANSIDE, CA 92054-3802
Transaction Type	Mortgage
Record Updated	Mar 29, 2022
Title Company	ATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3406 DUNES PL P1, P1, OCEANSIDE, CA 92054-3802

Mortgage

Document Number	0000122103
Date	Mar 18, 2022
Instrument	2022-0122103

Lender

Name	SAN DIEGO COUNTY CU
Type	Credit Union
Address	SAN DIEGO, CA 92196

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2042

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3406 DUNES PL, OCEANSIDE, CA 92054-3802
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000180243
Date	May 4, 2018
Instrument	2018-0180243

Lender

Name	SAN DIEGO COUNTY CU
Type	Credit Union
Address	SAN DIEGO, CA 92196

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	May 1, 2028

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		$340,994 (+2%) Land $210,655 Building $130,339
2025	$3,710.00 (+5.28%) Homeowner's exemption	$334,309 (+4.04%) Land $206,525 Building $127,784
2023	$3,524.00 (+1.59%) Homeowner's exemption	$321,329 Land $198,506 Building $122,823
2022	$3,469.00

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 A99 high risk · federal flood protection under construction
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 140 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	140 in force
Nearby Flood Claims	3 (1978–2005)
Most Recent Claim	Jan 2005 · Severe Storms, Flooding, Debris Flows, And Mudslides

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 80% of the US · lower than 88% of California
Wildfire Likelihood	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	CITY OF OCEANSIDE serves 174,340 people · EPA ID CA3710014
Water Source	Purchased surface water from several systems
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 505 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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