3631 Harbor Crest Way, Oceanside, CA 92056 Property Records

San Diego County property record for 3631 Harbor Crest Way, Oceanside, CA 92056

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,000 sqft · built 1974
Lot Size	0.29 acres (1,263 sqft)
Owner	2 Individual Names on File
Last Sale	$351,000 (May 2018)
Tax Bill	$4,270 (2025)
Deeds & Mortgages	Apr 2023 Line of Credit Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`168-130-26-00`

Property Details

APN / Parcel Number

Primary APN	`168-130-26-00`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,000 sqft Living Area

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Lot Area	1,263 sqft (0.29 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	3631 HARBOR CREST WAY
City	OCEANSIDE
State	CA
Zip	92056-5007
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-A
Legal Description	LOT 2 TR 007671
Legal Subdivision	BAY SHORES
Legal Tract	007671
Legal Block	2
Legal Lot Number	2
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2006
Census Tract	19805

Owner

3631 Harbor Crest Way is owned and occupied by two individuals who bought it in May 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	3631 HARBOR CREST WAY, OCEANSIDE, CA 92056-5007
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
Apr 26, 2023	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Nov 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage ANCHOR FUNDING INC
May 8, 2018	Grant Deed, Transfer · FHA Mortgage PRIME LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 8, 2018 · Amount on File
Deed Sale	May 8, 2018 · Amount on File
Prior Sale	May 9, 2003 · Amount on File
Deed Document Number	2018185321
Prior Transfer Date	Dec 22, 1993
Prior Transfer Doc	0000889042
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3631 HARBOR CREST WAY, OCEANSIDE, CA 92056-5007
Transaction Type	Mortgage
Record Updated	May 5, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3631 HARBOR CREST WAY, OCEANSIDE, CA 92056-5007

Mortgage

Document Number	0000107968
Date	Apr 26, 2023
Instrument	2023-0107968

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 25, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3631 HARBOR CREST WAY, OCEANSIDE, CA 92056-5007
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WESTERN RESOURCES TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3631 HARBOR CREST WAY, OCEANSIDE, CA 92056-5007

Mortgage

Document Number	0000749131
Date	Nov 25, 2020
Instrument	2020-0749131

Lender

Name	ANCHOR FUNDING INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92122

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 8, 2018
Property Address	3631 HARBOR CREST WAY, OCEANSIDE, CA 92056-5007
Document Number	0000185321
Instrument Date	Apr 17, 2018
Instrument	185321
Transaction Type	Transfer
Record Updated	May 15, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$386.10
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3631 HARBOR CREST WAY OCEANSIDE CA 920565007, OCEANSIDE, CA 92056-5007

Mortgage

Document Number	185322
Date	May 8, 2018
Instrument	185322

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 7, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 3631 Harbor Crest Way was $4,270 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	Carlsbad Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$407,358 (+2%) Land $278,537 Building $128,821
2025	$4,270.00 Homeowner's exemption	$399,372 Land $273,076 Building $126,296
2023	$4,099.00 (+1.59%) Homeowner's exemption	$383,866 Land $262,473 Building $121,393
2022	$4,035.00

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

Flood

FEMA maps place 3631 Harbor Crest Way in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2018.

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
Nearby Flood Claims	1 (2018)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2018 · other causes

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

Wildfire risk around 3631 Harbor Crest Way is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · lower than 79% of California
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect 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 Eastern tribal government · serves 1,076 people · EPA ID 090605007
Water Source	Groundwater
Last State Inspection	Apr 2021
Also Mapped Here	CITY OF OCEANSIDE, SAN DIEGO COUNTY WATER AUTHORITY
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 596 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: GeoLinks, Spectrum, T-Mobile.

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