3614 Via Bernardo, Oceanside, CA 92056 Property Records

San Diego County property record for 3614 Via Bernardo, Oceanside, CA 92056

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,585 sqft · built 1990
Lot Size	0.108 acres (4,725 sqft)
Owner	2 Individual Names on File
Last Sale	$295,000 (Aug 2000)
Tax Bill	$4,994 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Jun 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`169-474-03-00`

Property Details

APN / Parcel Number

Primary APN	`169-474-03-00`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	2,585 sqft Living Area

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Lot Area	4,725 sqft (0.108 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	3614 VIA BERNARDO
City	OCEANSIDE
State	CA
Zip	92056-7222
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-A
Legal Description	LOT 39 TR 011816
Legal Subdivision	SOUTH RIDGE TRAILS
Legal Tract	011816
Legal Block	2
Legal Lot Number	39
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2004
Census Tract	19808

Owner

3614 Via Bernardo is owned and occupied by two individuals who acquired it in June 2007.

Source: San Diego County records, as of July 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3614 VIA BERNARDO, OCEANSIDE, CA 92056-7222
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage BOKF NA
Jun 8, 2018	Deed of Trust, Mortgage · Conventional Mortgage BOKF NA
Jan 31, 2019	Deed of Trust, Mortgage · Conventional Mortgage BOKF NA
Sep 13, 2019	Deed of Trust, Mortgage · Line of Credit SAN DIEGO COUNTY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 9, 2000 · Amount on File
Deed Sale	Aug 9, 2000 · Amount on File
Prior Sale	Jan 31, 1990 · Amount on File
Deed Document Number	2000422506
Last Transfer Date	Jun 14, 2007
Transfer Doc	0000411065
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3614 VIA BERNARDO, OCEANSIDE, CA 92056-7222
Transaction Type	Mortgage
Record Updated	Jul 28, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3614 VIA BERNARDO, OCEANSIDE, CA 92056-7222

Mortgage

Document Number	0000511915
Date	Jul 19, 2021
Instrument	2021-0511915

Lender

Name	BOKF NA
Type	Bank
Address	TULSA, OK 74153

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3614 VIA BERNARDO, OCEANSIDE, CA 92056-7222
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI US INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000232134
Date	Jun 8, 2018
Instrument	2018-0232134

Lender

Name	BOKF NA
Type	Bank
Address	TULSA, OK 74153

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jul 1, 2038

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3614 VIA BERNARDO, OCEANSIDE, CA 92056-7222
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3614 VIA BERNARDO, OCEANSIDE, CA 92056-7222

Mortgage

Document Number	0000035058
Date	Jan 31, 2019
Instrument	2019-0035058

Lender

Name	BOKF NA
Type	Bank
Address	35688

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Feb 1, 2039

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3614 VIA BERNARDO, OCEANSIDE, CA 92056-7222
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000398887
Date	Sep 13, 2019
Instrument	2019-0398887

Lender

Name	SAN DIEGO COUNTY CU
Type	Credit Union
Address	SAN DIEGO, CA 92195

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Sep 30, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 3614 Via Bernardo was $4,994 with a homeowner's exemption.

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		$453,382 (+2%) Land $183,404 Building $269,978
2025	$4,994.00 Homeowner's exemption	$444,493 Land $179,808 Building $264,685
2023	$4,594.00 (+0.28%) Homeowner's exemption	$427,235 Land $172,827 Building $254,408
2022	$4,581.00

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

Flood

FEMA maps place 3614 Via Bernardo in Zone X, an area of minimal flood risk.

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

Wildfire risk around 3614 Via Bernardo is low, with a 0.01% annual chance of 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 836 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Spectrum Cable	1,000 / 1,000
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: GeoLinks, T-Mobile, Verizon.

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