3465 Carnelian Ln, Oceanside, CA 92056 Property Records

San Diego County property record for 3465 Carnelian Ln, Oceanside, CA 92056

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,211 sqft · built 1990
Lot Size	0.106 acres (4,638 sqft)
Owner	Individual Name on Record
Last Sale	$365,000 (Nov 2005)
Tax Bill	$2,635 (2025)
Deeds & Mortgages	Feb 2026 Mortgage May 2022 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`168-271-44-00`

Property Details

APN / Parcel Number

Primary APN	`168-271-44-00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,211 sqft Living Area

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Lot Area	4,638 sqft (0.106 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	3465 CARNELIAN LN
City	OCEANSIDE
State	CA
Zip	92056-4855
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-A
Legal Description	LOT 41 TR 011029
Legal Subdivision	EMERALD LAKE HOMES
Legal Tract	011029
Legal Block	3
Legal Lot Number	41
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3001
Census Tract	19809

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	Individual Name on Record
Mailing Address	3465 CARNELIAN LN, OCEANSIDE, CA 92056-4855
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Feb 23, 2026	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
May 4, 2022	Transfer on Death Deed, Transfer
Jul 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCIAL RESOURCES INC
Oct 30, 2017	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Nov 21, 2018	Deed of Trust, Mortgage · FHA Mortgage RESIDENTIAL MORTGAGE FUNDING INC
Oct 2, 2019	Deed of Trust, Mortgage · FHA Mortgage SAN DIEGO FUNDING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 22, 2005 · Amount on Record
Deed Sale	Nov 22, 2005 · Amount on Record
Prior Sale	Jun 3, 1997 · Amount on Record
Deed Document Number	20051013015
Prior Transfer Date	May 6, 1997
Prior Transfer Doc	0000260648
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3465 CARNELIAN LN, OCEANSIDE, CA 92056-4855
Transaction Type	Mortgage
Record Updated	Mar 4, 2026
Title Company	WFG TITLE COMPANY/CA-SAN DIEGO, WFG TITLE CO OF CA SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3465 CARNELIAN LN, OCEANSIDE, CA 92056-4855

Mortgage

Document Number	0000048623
Date	Feb 23, 2026
Instrument	2026-0048623

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

May 2022: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 4, 2022
Property Address	3465 CARNELIAN LN, OCEANSIDE, CA 92056-4855
Document Number	0000194011
Map Reference	MAP 11029
Instrument Date	Apr 25, 2022
Instrument	2022-0194011
Transaction Type	Transfer
Record Updated	May 12, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3465 CARNELIAN LN, OCEANSIDE, CA 92056-4855

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3465 CARNELIAN LN, OCEANSIDE, CA 92056-4855
Transaction Type	Mortgage
Record Updated	Jul 30, 2021
Title Company	NEXTITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3465 CARNELIAN LN, OCEANSIDE, CA 92056-4855

Mortgage

Document Number	0000524025
Date	Jul 22, 2021
Instrument	2021-0524025

Lender

Name	AMERICAN FINANCIAL RESOURCES INC
Type	Funding / Finance Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3465 CARNELIAN LN, OCEANSIDE, CA 92056-4855
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000504678
Date	Oct 30, 2017
Instrument	2017-0504678

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2037

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3465 CARNELIAN LN, OCEANSIDE, CA 92056-4855
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000484607
Date	Nov 21, 2018
Instrument	2018-0484607

Lender

Name	RESIDENTIAL MORTGAGE FUNDING INC
Type	Mortgage Company
Address	ORANGE, CA 92867

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3465 CARNELIAN LN, OCEANSIDE, CA 92056-4855
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE COMPANY SD

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000439411
Date	Oct 2, 2019
Instrument	2019-0439411

Lender

Name	SAN DIEGO FUNDING
Type	Mortgage Company
Address	SAN DIEGO, CA 92106

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2049

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	Vista Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$241,528 (+2%) Land $96,702 Building $144,826
2025	$2,635.00 (+8.79%) Homeowner's exemption	$236,793 (+4.04%) Land $94,806 Building $141,987
2023	$2,422.00 (+0.33%) Homeowner's exemption	$227,600 Land $91,126 Building $136,474
2022	$2,414.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	La Jolla Eastern tribal government · serves 1,076 people · EPA ID 090605007
Water Source	Groundwater
Last State Inspection	Apr 2021
Also Mapped Here	VISTA IRRIGATION DISTRICT
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	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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 457 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Starlink Satellite	280 / 30
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks, Verizon.

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