3481 Amber Ln, Oceanside, CA 92056 Property Records

San Diego County property record for 3481 Amber Ln, Oceanside, CA 92056 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,467 sqft · built 1989
Lot Size	0.156 acres (6,812 sqft)
Owner	Company Name on File
Last Sale	$304,000 (Apr 2011)
Tax Bill	$4,360 (2025)
Deeds & Mortgages	Apr 2022 Reverse Mortgage Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`168-271-40-00`

Property Details

APN / Parcel Number

Primary APN	`168-271-40-00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,467 sqft Living Area

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Lot Area	6,812 sqft (0.156 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	3481 AMBER LN
City	OCEANSIDE
State	CA
Zip	92056-4844
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 59 TR 011029
Legal Subdivision	EMERALD LAKE HOMES
Legal Tract	011029
Legal Block	3
Legal Lot Number	59
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3003
Census Tract	19809

Owner

Source: San Diego County records · APN 168-271-40-00

Assessment roll updated July 21, 2026 · Last verified July 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	3481 AMBER LN, OCEANSIDE, CA 92056-4844
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 19, 2022	Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC
Aug 21, 2020	Reverse Mortgage, Transfer · FHA Mortgage FINANCE OF AMERICA REVERSE

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 11, 2011 · Amount on Record
Deed Sale	Apr 11, 2011 · Amount on Record
Prior Sale	Jan 15, 2004 · Amount on Record
Deed Document Number	2011187445
Last Transfer Date	Dec 01, 2011
Transfer Doc	0000657773
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3481 AMBER LN, OCEANSIDE, CA 92056-4844
Transaction Type	Mortgage
Record Updated	Apr 27, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3481 AMBER LN, OCEANSIDE, CA 92056-4844

Mortgage

Document Number	0000170782
Date	Apr 19, 2022
Instrument	2022-0170782

Lender

Name	FINANCE OF AMERICA REVERSE LLC
Type	Reverse Mortgage Lender
Address	TULSA, OK 74133

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	892 Months
Due	Aug 06, 2096

Interest

Rate Type	Adjustable Rate
Rate	3.55%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 01, 2022
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	8.55%

August 2020: Reverse Mortgage, Transfer

Document Type	Reverse Mortgage
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 21, 2020
Property Address	3481 AMBER LN, OCEANSIDE, CA 92056-4844
Document Number	0000475009
Instrument Date	Aug 13, 2020
Instrument	475009
Transaction Type	Transfer
Record Updated	Sep 02, 2020
Title Company	STEWART TITLE, STEWART TITLE/CA

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3481 AMBER LN OCEANSIDE CA 920564844, OCEANSIDE, CA 92056-4844

Mortgage

Document Number	475010
Date	Aug 21, 2020
Instrument	475010

Lender

Name	FINANCE OF AMERICA REVERSE
Address	TULSA, OK 74133

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	912 Months
Due	Aug 20, 2096

Interest

Rate Type	Adjustable Rate
Rate	2.69%

Mortgage

Document Number	475011,
Date	Aug 21, 2020
Instrument	475011

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	912 Months
Due	Aug 20, 2096

Interest

Rate Type	Adjustable Rate
Rate	2.69%

Tax Assessment & Valuation

Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value
2026		$397,254 (+2%) Land $273,115 Building $124,139
2025	$4,360.00 (+8.76%) Homeowner's exemption	$389,465 (+4.04%) Land $267,760 Building $121,705
2023	$4,009.00 (+0.3%) Homeowner's exemption	$374,343 Land $257,363 Building $116,980
2022	$3,997.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, San Diego County (06073C), updated September 3, 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

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; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 457 locations within about half a mile of this property

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

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

Mobile Coverage

5G and 4G LTE

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