3638 Via Bernardo, Oceanside, CA 92056 Property Records

San Diego County property record for 3638 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 Record
Last Sale	$1,070,000 (Aug 2026)
Tax Bill	$9,302 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Jan 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`169-474-10-00`

Property Details

APN / Parcel Number

Primary APN	`169-474-10-00`

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	3638 VIA BERNARDO
City	OCEANSIDE
State	CA
Zip	92056-7224
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-A
Legal Description	LOT 46 TR 011816
Legal Subdivision	SOUTH RIDGE TRAILS
Legal Tract	011816
Legal Block	2
Legal Lot Number	46
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2004
Census Tract	19808

Owner

Source: San Diego County records, as of August 31, 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	611 OCEAN AVE, B1, NEW LONDON, CT 06320-4441
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2026	Grant Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE
Jan 8, 2021	Grant Deed, Transfer · Conventional Mortgage AMERISAVE MORTGAGE CORP
Jul 1, 2020	Quit Claim Deed, Transfer CALIBER HM LOANS
Apr 12, 2018	Quit Claim Deed, Transfer HERITAGE ESCROW COMPANY
Apr 12, 2018	Grant Deed, Transfer · Conventional Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 21, 2026 · Amount on Record
Deed Sale	Aug 21, 2026 · Amount on Record
Prior Sale	Jan 8, 2021 · Amount on Record
Deed Document Number	2026246714
Prior Transfer Date	May 26, 2020
Prior Transfer Doc	0000345882
Record Updated	Oct 29, 2026

August 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 21, 2026
Property Address	3638 VIA BERNARDO, OCEANSIDE, CA 92056-7224
Document Number	0000246714
Instrument Date	Aug 12, 2026
Instrument	2026246714
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$118,877.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000246715,
Date	Aug 21, 2026
Instrument	2026246715

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

January 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 8, 2021
Property Address	3638 VIA BERNARDO, OCEANSIDE, CA 92056-7224
Document Number	0000017273
Map Reference	MAP 11816
Instrument Date	Dec 29, 2020
Instrument	2021-0017273
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	3638 VIA BERNARDO, OCEANSIDE, CA 92056-7224

Mortgage

Document Number	0000017274
Date	Jan 8, 2021
Instrument	2021-0017274

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company

Agreement

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

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 1, 2020
Property Address	3638 VIA BERNARDO, OCEANSIDE, CA 92056-7224
Document Number	0000345882
Instrument Date	May 26, 2020
Instrument	345882
Transaction Type	Transfer
Record Updated	Jul 13, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE SAN DIEGO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3638 VIA BERNARDO OCEANSIDE CA 920567224, OCEANSIDE, CA 92056-7224

Mortgage

Document Number	345884
Date	Jul 1, 2020
Instrument	345884

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 30, 2050

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 12, 2018
Property Address	3638 VIA BERNARDO, OCEANSIDE, CA 92056-7224
Document Number	0000146136
Instrument Date	Mar 27, 2018
Instrument	146136
Transaction Type	Transfer
Record Updated	Apr 17, 2018
Title Company	HERITAGE ESCROW COMPANY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	3638 VIA BERNARDO OCEANSIDE CA 920567224, OCEANSIDE, CA 92056-7224

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 12, 2018
Property Address	3638 VIA BERNARDO, OCEANSIDE, CA 92056-7224
Document Number	0000146135
Instrument Date	Mar 16, 2018
Instrument	146135
Transaction Type	Transfer
Record Updated	Apr 17, 2018
Title Company	LAWYERS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$764.50
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	3638 VIA BERNARDO OCEANSIDE CA 920567224, OCEANSIDE, CA 92056-7224

Mortgage

Document Number	146137
Date	Apr 12, 2018
Instrument	146137

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 11, 2048

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		$842,408 (+2%) Land $385,265 Building $457,143
2025	$9,302.00 (+8.68%) Homeowner's exemption	$825,891 (+4.04%) Land $377,711 Building $448,180
2023	$8,559.00 (+0.27%) Homeowner's exemption	$793,823 Land $363,045 Building $430,778
2022	$8,536.00

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	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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