3644 Via Bernardo, Oceanside, CA 92056 Property Records

San Diego County property record for 3644 Via Bernardo, Oceanside, CA 92056

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,585 sqft · built 1990
Lot Size	0.154 acres (6,718 sqft)
Owner	Individual Name on File
Last Sale	$552,000 (Feb 2015)
Tax Bill	$7,466 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`169-474-48-00`

Property Details

APN / Parcel Number

Primary APN	`169-474-48-00`
Alternative APN	`1694741200`

Interior

Bedrooms	3 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	6,718 sqft (0.154 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	1694741200
Street Address	3644 VIA BERNARDO
City	OCEANSIDE
State	CA
Zip	92056-7227
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-A
Legal Description	LOT 48 PAR B PER DOC89-523999 IN TR 011816
Legal Subdivision	SOUTH RIDGE TRAILS
Legal Tract	011816
Legal Block	2
Legal Lot Number	48
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2004
Census Tract	19808

Owner

3644 Via Bernardo is owned and occupied by an individual who acquired it in September 2017.

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

Owner of Record	Individual Name on File
Mailing Address	3644 VIA BERNARDO, OCEANSIDE, CA 92056-7227
Occupancy	Owner Occupied
Owner Type	Individual

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
Sep 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jun 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Sep 21, 2017	Quit Claim Deed, Transfer · Conventional Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 5, 2015 · Amount on File
Deed Sale	Feb 5, 2015 · Amount on File
Prior Sale	Jul 17, 2014 · Amount on File
Deed Document Number	201551297
Last Transfer Date	Sep 7, 2017
Transfer Doc	0000431933
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3644 VIA BERNARDO, OCEANSIDE, CA 92056-7227
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3644 VIA BERNARDO, OCEANSIDE, CA 92056-7227

Mortgage

Document Number	0000623555
Date	Sep 1, 2021
Instrument	2021-0623555

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3644 VIA BERNARDO, OCEANSIDE, CA 92056-7227
Document Number	0000346857
Instrument Date	Jun 26, 2020
Transaction Type	Mortgage
Record Updated	Jul 13, 2020
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3644 VIA BERNARDO OCEANSIDE CA 920567227, OCEANSIDE, CA 92056-7227

Mortgage

Document Number	0000346857
Date	Jul 1, 2020
Instrument	346857

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 30, 2050

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 21, 2017
Property Address	3644 VIA BERNARDO, OCEANSIDE, CA 92056-7227
Document Number	0000431933
Instrument Date	Sep 7, 2017
Instrument	431933
Transaction Type	Transfer
Record Updated	Sep 26, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3644 VIA BERNARDO OCEANSIDE CA 920567227, OCEANSIDE, CA 92056-7227

Mortgage

Document Number	431934
Date	Sep 21, 2017
Instrument	431934

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 20, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 3644 Via Bernardo was $7,466 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	Vista Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$676,680 (+2%) Land $294,208 Building $382,472
2025	$7,466.00 Homeowner's exemption	$663,413 Land $288,440 Building $374,973
2023	$6,870.00 (+0.28%) Homeowner's exemption	$637,654 Land $277,241 Building $360,413
2022	$6,851.00

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

Flood

FEMA maps place 3644 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 3644 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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