3610 North Way, Oceanside, CA 92056 Property Records

San Diego County property record for 3610 North Way, Oceanside, CA 92056

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 875 sqft · built 1974
Lot Size	0.92 acres (4,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$107,000 (Feb 1999)
Tax Bill	$1,848 (2025)
Deeds & Mortgages	Jul 2021 Reverse Mortgage Jul 2021 Reverse Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`165-422-22-00`

Property Details

APN / Parcel Number

Primary APN	`165-422-22-00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Building Area	875 sqft Living Area

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Tar & Gravel
Lot Area	4,000 sqft (0.92 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3610 NORTH WAY
City	OCEANSIDE
State	CA
Zip	92056-4117
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-A
Legal Description	LOT 474 TR 007220
Legal Subdivision	COSTA SERENA
Legal Tract	007220
Legal Block	2
Legal Lot Number	474
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2002
Census Tract	18517

Owner

Source: San Diego County records, as of October 12, 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	3610 NORTH WAY, OCEANSIDE, CA 92056-4117
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2021	Deed of Trust, Mortgage · Reverse Mortgage USDA
Jul 2, 2021	Deed of Trust, Mortgage · Reverse Mortgage OPEN MORTGAGE LLC
Aug 29, 2017	Deed of Trust, Mortgage · Reverse Mortgage LONGBRIDGE FINANCIAL LLC
Aug 24, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 22, 1999 · Amount on Record
Deed Sale	Feb 22, 1999 · Amount on Record
Prior Sale	Sep 25, 1998 · Amount on Record
Deed Document Number	1999107041
Prior Transfer Date	Aug 10, 1993
Prior Transfer Doc	0000529972
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3610 NORTH WAY, OCEANSIDE, CA 92056-4117
Transaction Type	Mortgage
Record Updated	Jul 13, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3610 NORTH WAY, OCEANSIDE, CA 92056-4117

Mortgage

Document Number	0000479938
Date	Jul 2, 2021
Instrument	2021-0479938

Lender

Name	USDA
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	2.2%
Type Change Date	Aug 1, 2021
Change Frequency	Annually
Index	1-Year CMT

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3610 NORTH WAY, OCEANSIDE, CA 92056-4117
Transaction Type	Mortgage
Record Updated	Jul 13, 2021
Title Company	E-PLACER TITLE, PLACER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3610 NORTH WAY, OCEANSIDE, CA 92056-4117

Mortgage

Document Number	0000479937
Date	Jul 2, 2021
Instrument	2021-0479937

Lender

Name	OPEN MORTGAGE LLC
Type	Mortgage Company
Address	AUSTIN, TX 78737

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	2.2%
Type Change Date	Aug 1, 2021
Change Frequency	Annually
Index	1-Year CMT

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3610 NORTH WAY, OCEANSIDE, CA 92056-4117
Transaction Type	Mortgage
Record Updated	May 7, 2021
Title Company	TICOR TITLE SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000395535
Date	Aug 29, 2017
Instrument	2017-0395535

Lender

Name	LONGBRIDGE FINANCIAL LLC
Type	Reverse Mortgage Lender
Address	FLINT, MI 48501

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.47%
Type Change Date	Sep 1, 2018
Change Frequency	Annually
Index	1-Year LIBOR

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3610 NORTH WAY, OCEANSIDE, CA 92056-4117
Document Number	0000395536
Instrument Date	Aug 24, 2017
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	TICOR TITLE SAN DIEGO BR

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3610 NORTH WAY OCEANSIDE CA 920564117, OCEANSIDE, CA 92056-4117

Mortgage

Document Number	0000395536
Date	Aug 29, 2017
Instrument	395536

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.47%

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		$171,071 (+2%) Land $102,646 Building $68,425
2025	$1,848.00 (+5.36%) Homeowner's exemption	$167,718 (+4.04%) Land $100,634 Building $67,084
2023	$1,754.00 (+1.62%) Homeowner's exemption	$161,207 Land $96,727 Building $64,480
2022	$1,726.00

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	2 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 Risk	Not rated no burnable land within 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 Western tribal government · serves 296 people · EPA ID 090605008
Water Source	Groundwater
Last State Inspection	Apr 2021
Also Mapped Here	SAN DIEGO COUNTY WATER AUTHORITY, CITY OF OCEANSIDE
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	1 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 380 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
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Spectrum, T-Mobile.

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