3644 Cerro Ave, Oceanside, CA 92056 Property Records

San Diego County property record for 3644 Cerro Ave, Oceanside, CA 92056

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,595 sqft · built 1981
Lot Size	0.145 acres (6,309 sqft)
Owner	2 Individual Names on Record
Last Sale	$535,000 (Jun 2020)
Tax Bill	$6,582 (2025)
Deeds & Mortgages	Apr 2023 Transfer Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`168-242-48-00`

Property Details

APN / Parcel Number

Primary APN	`168-242-48-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,595 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	6,309 sqft (0.145 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3644 CERRO AVE
City	OCEANSIDE
State	CA
Zip	92056-5001
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RE-B
Legal Description	LOT 25 TR 008978
Legal Subdivision	VISTA CALAVERA
Legal Tract	008978
Legal Block	2
Legal Lot Number	25
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2001
Census Tract	19805

Owner

Source: San Diego County records, as of July 28, 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	3644 CERRO AVE, OCEANSIDE, CA 92056-5001
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2023	Affidavit of Death of Joint Tenant, Transfer
Jun 5, 2020	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 5, 2020 · Amount on Record
Deed Sale	Jun 5, 2020 · Amount on Record
Prior Sale	May 11, 1989 · Amount on Record
Deed Document Number	2020289520
Last Transfer Date	Apr 21, 2023
Transfer Doc	0000111703
Record Updated	Sep 20, 2026

April 2023: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 28, 2023
Property Address	3644 CERRO AVE, OCEANSIDE, CA 92056-5001
Document Number	0000111703
Map Reference	MAP 8978
Instrument Date	Apr 1, 2023
Instrument	2023-0111703
Transaction Type	Transfer
Record Updated	May 9, 2023

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
Relationship	Joint Tenants
Address	3644 CERRO AVE, OCEANSIDE, CA 92056-5001

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 5, 2020
Property Address	3644 CERRO AVE, OCEANSIDE, CA 92056-5001
Document Number	0000289520
Map Reference	MAP 8978
Instrument Date	May 27, 2020
Instrument	2020-0289520
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	TICOR 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	Joint Tenants
Address	3644 CERRO AVE, OCEANSIDE, CA 92056-5001

Mortgage

Document Number	0000289521
Date	Jun 5, 2020
Instrument	2020-0289521

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

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		$596,797 (+2%) Land $336,361 Building $260,436
2025	$6,582.00 (+7.36%) Homeowner's exemption	$585,096 (+4.04%) Land $329,766 Building $255,330
2023	$6,131.00 (+1.52%)	$562,377 Land $316,961 Building $245,416
2022	$6,039.00

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 · 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 51% of the US · lower than 69% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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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