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3642 Cerro Ave, Oceanside, CA 92056 Property Records

San Diego County property record for 3642 Cerro Ave, Oceanside, CA 92056 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,595 sqft · built 1981
Lot Size0.139 acres (6,059 sqft)
Owner2 Individual Names on File
Last Sale$405,000 (Jan 2015)
Tax Bill$5,471 (2025)
Deeds & MortgagesJun 2020 Mortgage
Oct 2017 Line of Credit
Flood ZoneZone X (minimal risk)
APN168-242-49-00

Property Details

APN / Parcel Number

Primary APN168-242-49-00

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,595 sqft Living Area

Exterior

Year BuiltBuilt 1981
Effective Year BuiltEffective 1981
Lot Area6,059 sqft (0.139 acres)
Garage TypeCarport
CarportCarport
Parking Spaces2 Parking Spaces

Location & Zoning

Street Address3642 CERRO AVE
CityOCEANSIDE
StateCA
Zip92056-5001
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 26 TR 008978
Legal SubdivisionVISTA CALAVERA
Legal Tract008978
Legal Block2
Legal Lot Number26
JurisdictionSAN DIEGO CA
Township / Civil DivisionOCEANSIDE-ESCONDIDO
Census Block Group2
Census Block2001
Census Tract19805

Owner

Source: San Diego County records · APN 168-242-49-00

Assessment roll updated July 21, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address3642 CERRO AVE, OCEANSIDE, CA 92056-5001
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Jun 23, 2020Deed of Trust, Mortgage · Conventional Mortgage
AMERIS BANK
Oct 04, 2017Intrafamily Transfer, Transfer · Line of Credit
BANNER BANK

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJan 08, 2015 · Amount on Record
Deed SaleJan 08, 2015 · Amount on Record
Prior SaleJul 29, 2010 · Amount on Record
Deed Document Number20158169
Last Transfer DateOct 03, 2017
Transfer Doc0000458662
Record UpdatedSep 20, 2026

June 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address3642 CERRO AVE, OCEANSIDE, CA 92056-5001
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyNORTH AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000325912
DateJun 23, 2020
Instrument2020-0325912
Lender
NameAMERIS BANK
TypeBank
AddressMARIETTA, GA 30067
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJul 01, 2050

October 2017: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSAN DIEGO CA
Recording DateOct 04, 2017
Property Address3642 CERRO AVE, OCEANSIDE, CA 92056-5001
Document Number0000458662
Map ReferenceMAP8978
Instrument DateOct 03, 2017
Instrument2017-0458662
Transaction TypeTransfer
Record UpdatedAug 24, 2021
Title CompanyLAWYERS TITLE

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address3642 CERRO AVE, OCEANSIDE, CA 92056-5001

Mortgage

Document Number0000458663
DateOct 04, 2017
Instrument2017-0458663
Lender
NameBANNER BANK
TypeBank
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

Tax Assessment & Valuation

Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySan Diego County
MunicipalityOceanside City
Unified School DistrictVista Unified School District (KG - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed Value
2026$496,474 (+2%) Land $307,738 Building $188,736
2025$5,471.00 (+8.7%) Homeowner's exemption$486,740 (+4.04%) Land $301,704 Building $185,036
2023$5,033.00 (+0.28%) Homeowner's exemption$467,841 Land $289,990 Building $177,851
2022$5,019.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, San Diego County (06073C), updated September 3, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060730198052, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Claims1 (2018)
Claims Outside the SFHA1 of 1
Most Recent ClaimSep 2018, other causes

Wildfire

Wildfire RiskModerate
above 52% of the US · above 30% of California
Wildfire LikelihoodAbout 1 in 935 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 596 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Cox CommunicationsCable2,000 / 100
VerizonFixed Wireless300 / 20
AT&TDSL100 / 20
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: Spectrum, AT&T, California Internet, T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

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