3644 Mount Vernon Ave, Oceanside, CA 92057 Property Records

San Diego County property record for 3644 Mount Vernon Ave, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,050 sqft · built 1975
Lot Size	0.4 acres (1,721 sqft)
Owner	Individual Name on Record
Last Sale	$449,000 (May 2024)
Tax Bill	$5,091 (2025)
Deeds & Mortgages	Dec 2025 Mortgage May 2022 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`162-332-22-00`

Property Details

APN / Parcel Number

Primary APN	`162-332-22-00`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,050 sqft Living Area

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Lot Area	1,721 sqft (0.4 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Radiant

Location & Zoning

Street Address	3644 MOUNT VERNON AVE
City	OCEANSIDE
State	CA
Zip	92057-8601
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-A
Legal Description	LOT 231 UND 1/141 INT IN LOT C&ALL OF TR 007536
Legal Subdivision	OCEANA SOUTH
Legal Tract	007536
Legal Block	3
Legal Lot Number	231,C
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3014
Census Tract	18512

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	Individual Name on Record
Mailing Address	3644 MOUNT VERNON AVE, OCEANSIDE, CA 92057-8601
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Dec 11, 2025	Deed of Trust, Mortgage · Conventional Mortgage UNION HOME MORTGAGE CORP
May 10, 2022	Intrafamily Transfer, Transfer
Dec 9, 2020	Deed of Trust, Mortgage · VA Mortgage THE MORTGAGE ADVISORY
Nov 13, 2019	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Aug 1, 2018	Grant Deed, Transfer · Conventional with PMI WALLICK & VOLK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 29, 2024 · Amount on Record
Deed Sale	May 29, 2024 · Amount on Record
Prior Sale	Aug 1, 2018 · Amount on Record
Deed Document Number	2024134082
Prior Transfer Date	Mar 7, 1995
Prior Transfer Doc	0000501635
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3644 MOUNT VERNON AVE, OCEANSIDE, CA 92057-8601
Transaction Type	Mortgage
Record Updated	Dec 26, 2025
Title Company	WFG TITLE COMPANY/CA-SAN DIEGO, WFG TITLE CO OF CA SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3644 MOUNT VERNON AVE, OCEANSIDE, CA 92057-8601

Mortgage

Document Number	0000350621
Date	Dec 11, 2025
Instrument	2025-0350621

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	STRONGSVILLE, OH 44136

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	May 10, 2022
Property Address	3644 MOUNT VERNON AVE, OCEANSIDE, CA 92057-8601
Document Number	0000202395
Map Reference	MAP 2536
Instrument Date	Apr 28, 2022
Instrument	2022-0202395
Transaction Type	Transfer
Record Updated	Jun 7, 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	Living Trust
Address	3644 MOUNT VERNON AVE, OCEANSIDE, CA 92057-8601

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3644 MOUNT VERNON AVE, OCEANSIDE, CA 92057-8601
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMER TTL CO RES DIV

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3644 MOUNT VERNON AVE, OCEANSIDE, CA 92057-8601

Mortgage

Document Number	0000789541
Date	Dec 9, 2020
Instrument	2020-0789541

Lender

Name	THE MORTGAGE ADVISORY
Type	Non-Lending Institution
Address	LADERA RANCH, CA 92694

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3644 MOUNT VERNON AVE, OCEANSIDE, CA 92057-8601
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000523382
Date	Nov 13, 2019
Instrument	2019-0523382

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 1, 2018
Property Address	3644 MOUNT VERNON AVE, OCEANSIDE, CA 92057-8601
Document Number	0000314804
Instrument Date	Jul 10, 2018
Instrument	314804
Transaction Type	Transfer
Record Updated	Aug 7, 2018
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$332.20
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	3644 MOUNT VERNON AVE OCEANSIDE CA 920578601, OCEANSIDE, CA 92057-8601

Mortgage

Document Number	314805
Date	Aug 1, 2018
Instrument	314805

Lender

Name	WALLICK & VOLK
Address	CHEYENNE, WY 82001

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 31, 2048

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	Oceanside Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$467,137 (+2%) Land $270,693 Building $196,444
2025	$5,091.00 (+43.37%) Homeowner's exemption	$457,979 (+41.44%) Land $265,386 Building $192,593
2023	$3,551.00 (+1.57%) Homeowner's exemption	$323,802 Land $187,634 Building $136,168
2022	$3,496.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (1998)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 1998 · Severe Winter Storms And Flooding

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	Low lower than 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 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 447 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, GeoLinks.

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