3640 Harbor Crest Way, Oceanside, CA 92056 Property Records

San Diego County property record for 3640 Harbor Crest Way, Oceanside, CA 92056

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,191 sqft · built 1974
Lot Size	0.3 acres (1,300 sqft)
Owner	2 Individual Names on File
Last Sale	$420,000 (Oct 2020)
Tax Bill	$4,866 (2025)
Deeds & Mortgages	Sep 2019 Mortgage Oct 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`168-130-34-00`

Property Details

APN / Parcel Number

Primary APN	`168-130-34-00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,191 sqft Living Area

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Exterior Material	Block
Construction Type	Frame
Lot Area	1,300 sqft (0.3 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	3640 HARBOR CREST WAY
City	OCEANSIDE
State	CA
Zip	92056-5036
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-A
Legal Description	LOT 10 TR 007671
Legal Subdivision	BAY SHORES
Legal Tract	007671
Legal Block	2
Legal Lot Number	10
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2006
Census Tract	19805

Owner

3640 Harbor Crest Way is owned and occupied by two individuals who bought it in October 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	3640 HARBOR CREST WAY, OCEANSIDE, CA 92056-5036
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
Sep 9, 2019	Deed of Trust, Mortgage · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Oct 21, 2020	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 31, 2018	Quit Claim Deed, Transfer FIRST AMERICAN TITLE
Aug 31, 2018	Grant Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 21, 2020 · Amount on File
Deed Sale	Oct 21, 2020 · Amount on File
Prior Sale	Aug 31, 2018 · Amount on File
Deed Document Number	2020644175
Prior Transfer Date	Aug 24, 2018
Prior Transfer Doc	0000362068
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3640 HARBOR CREST WAY, OCEANSIDE, CA 92056-5036
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000388832
Date	Sep 9, 2019
Instrument	2019-0388832

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company
Address	ISELIN, NJ 08830

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 21, 2020
Property Address	3640 HARBOR CREST WAY, OCEANSIDE, CA 92056-5036
Document Number	0000644175
Map Reference	MAP 7671
Instrument Date	Oct 1, 2020
Instrument	2020-0644175
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	TICOR TITLE CO SAN DIEGO

Transaction

Amount	Amount on Record
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	Joint Tenants
Address	3640 HARBOR CREST WAY, OCEANSIDE, CA 92056-5036

Mortgage

Document Number	0000644176
Date	Oct 21, 2020
Instrument	2020-0644176

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 31, 2018
Property Address	3640 HARBOR CREST WAY, OCEANSIDE, CA 92056-5036
Document Number	0000362068
Instrument Date	Aug 24, 2018
Instrument	362068
Transaction Type	Transfer
Record Updated	Sep 7, 2018
Title Company	FIRST AMERICAN TITLE

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	3640 HARBOR CREST WAY OCEANSIDE CA 920565036, OCEANSIDE, CA 92056-5036

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 31, 2018
Property Address	3640 HARBOR CREST WAY, OCEANSIDE, CA 92056-5036
Document Number	0000362069
Map Reference	MAP 7671
Instrument Date	Aug 2, 2018
Instrument	2018-0362069
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
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	Joint Tenants
Address	3640 HARBOR CREST WAY, OCEANSIDE, CA 92056-5036
Investor	Possibly a Property Investor

Mortgage

Document Number	0000362070
Date	Aug 31, 2018
Instrument	2018-0362070

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 3640 Harbor Crest Way was $4,866 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		$463,711 (+2%) Land $309,141 Building $154,570
2025	$4,866.00 Homeowner's exemption	$454,620 Land $303,080 Building $151,540
2023	$4,672.00 (+1.61%) Homeowner's exemption	$436,968 Land $291,312 Building $145,656
2022	$4,598.00

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

Flood

FEMA maps place 3640 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 3640 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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