3641 Via Bernardo, Oceanside, CA 92056 Property Records

San Diego County property record for 3641 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	0.117 acres (5,106 sqft)
Owner	2 Company Names on File
Last Sale	$690,000 (Apr 2019)
Tax Bill	$8,667 (2025)
Deeds & Mortgages	Feb 2022 Line of Credit Sep 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`169-473-22-00`

Property Details

APN / Parcel Number

Primary APN	`169-473-22-00`

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	5,106 sqft (0.117 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	3641 VIA BERNARDO
City	OCEANSIDE
State	CA
Zip	92056-7226
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-A
Legal Description	LOT 22 TR 011816
Legal Subdivision	SOUTH RIDGE TRAILS
Legal Tract	011816
Legal Block	2
Legal Lot Number	22
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2003
Census Tract	19808

Owner

3641 Via Bernardo is owned by a company that bought it in April 2019.

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

Owner of Record	2 Company Names on File
Mailing Address	3641 VIA BERNARDO, OCEANSIDE, CA 92056-7226
Owner Type	Company
Vesting	Life Tenant

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 11, 2022	Deed of Trust, Mortgage · Line of Credit MISSION FCU
Sep 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage FISHER FINANCIAL GROUP INC
Feb 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage FISHER FINANCIAL GROUP INC
Apr 17, 2019	Grant Deed, Transfer · Conventional Mortgage FISHER FINANCIAL GROUP INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 17, 2019 · Amount on File
Deed Sale	Apr 17, 2019 · Amount on File
Prior Sale	Jul 21, 1998 · Amount on File
Deed Document Number	2019137969
Prior Transfer Date	Mar 11, 2005
Prior Transfer Doc	0000349045
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3641 VIA BERNARDO, OCEANSIDE, CA 92056-7226
Transaction Type	Mortgage
Record Updated	Feb 21, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3641 VIA BERNARDO, OCEANSIDE, CA 92056-7226

Mortgage

Document Number	0000064212
Date	Feb 11, 2022
Instrument	2022-0064212

Lender

Name	MISSION FCU
Type	Credit Union
Address	SAN DIEGO, CA 92191

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Feb 28, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3641 VIA BERNARDO, OCEANSIDE, CA 92056-7226
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3641 VIA BERNARDO, OCEANSIDE, CA 92056-7226

Mortgage

Document Number	0000558265
Date	Sep 22, 2020
Instrument	2020-0558265

Lender

Name	FISHER FINANCIAL GROUP INC
Type	Funding / Finance Company
Address	GILBERT, AZ 85234

Agreement

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

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3641 VIA BERNARDO, OCEANSIDE, CA 92056-7226
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000063448
Date	Feb 6, 2020
Instrument	2020-0063448

Lender

Name	FISHER FINANCIAL GROUP INC
Type	Funding / Finance Company
Address	GILBERT, AZ 85234

Agreement

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

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 17, 2019
Property Address	3641 VIA BERNARDO, OCEANSIDE, CA 92056-7226
Document Number	0000137969
Map Reference	MAP 11816
Instrument Date	Apr 2, 2019
Instrument	2019-0137969
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIDELITY NATIONAL 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	Community Property
Address	3641 VIA BERNARDO, OCEANSIDE, CA 92056-7226

Mortgage

Document Number	0000137970
Date	Apr 17, 2019
Instrument	2019-0137970

Lender

Name	FISHER FINANCIAL GROUP INC
Type	Funding / Finance Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 3641 Via Bernardo was $8,667.

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		$785,095 (+2%) Land $386,508 Building $398,587
2025	$8,667.00	$769,702 Land $378,930 Building $390,772
2023	$7,974.00 (+0.26%) Homeowner's exemption	$739,815 Land $364,216 Building $375,599
2022	$7,953.00

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

Flood

FEMA maps place 3641 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 3641 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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