3641 Harbor Crest Way, Oceanside, CA 92056 Property Records

San Diego County property record for 3641 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 Trust Names on File
Last Sale	$336,500 (Sep 2020)
Tax Bill	$4,458 (2025)
Deeds & Mortgages	Feb 2024 Transfer Sep 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`168-130-39-00`

Property Details

APN / Parcel Number

Primary APN	`168-130-39-00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,191 sqft Living Area

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Lot Area	1,300 sqft (0.3 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	3641 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 15 TR 007671
Legal Subdivision	BAY SHORES
Legal Tract	007671
Legal Block	2
Legal Lot Number	15
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2006
Census Tract	19805

Owner

3641 Harbor Crest Way is owner-occupied and held in a trust since January 2024.

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

Owner of Record	2 Trust Names on File
Mailing Address	3641 HARBOR CREST WAY, OCEANSIDE, CA 92056-5036
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Feb 16, 2024	Intrafamily Transfer, Transfer
Sep 10, 2020	Grant Deed, Transfer · Conventional Mortgage FIRST NATIONS HOME FINANCE CORP
Sep 14, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 2020 · Amount on File
Deed Sale	Sep 10, 2020 · Amount on File
Deed Document Number	2020528589
Last Transfer Date	Jan 31, 2024
Transfer Doc	0000040335
Record Updated	Oct 29, 2026

February 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 16, 2024
Property Address	3641 HARBOR CREST WAY, OCEANSIDE, CA 92056-5036
Document Number	0000040335
Map Reference	MAP 7671
Instrument Date	Jan 31, 2024
Instrument	2024-0040335
Transaction Type	Transfer
Record Updated	Feb 27, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 10, 2020
Property Address	3641 HARBOR CREST WAY, OCEANSIDE, CA 92056-5036
Document Number	0000528589
Map Reference	MAP 7671
Instrument Date	Aug 4, 2020
Instrument	2020-0528589
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	CORINTHIAN 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
Address	3641 HARBOR CREST WAY, OCEANSIDE, CA 92056-5036

Mortgage

Document Number	0000528590
Date	Sep 10, 2020
Instrument	2020-0528590

Lender

Name	FIRST NATIONS HOME FINANCE CORP
Type	Mortgage Company

Agreement

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

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 14, 2017
Property Address	3641 HARBOR CREST WAY, OCEANSIDE, CA 92056-5036
Document Number	0000421600
Instrument Date	Aug 16, 2017
Instrument	421600
Transaction Type	Transfer
Record Updated	Sep 19, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	76 TANGERINE IRVINE CA 926184575, IRVINE, CA 92618-4575

Tax Assessment & Valuation

The 2025 property tax bill for 3641 Harbor Crest Way was $4,458 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		$425,066 (+2%) Land $326,806 Building $98,260
2025	$4,458.00 Homeowner's exemption	$416,733 Land $320,399 Building $96,334
2023	$4,279.00 (+1.59%) Homeowner's exemption	$400,553 Land $307,958 Building $92,595
2022	$4,212.00

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

Flood

FEMA maps place 3641 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 3641 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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