3646 Harvard Dr, Oceanside, CA 92056 Property Records

San Diego County property record for 3646 Harvard Dr, Oceanside, CA 92056

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,220 sqft · built 1978
Lot Size	0.26 acres (1,138 sqft)
Owner	Individual Name on Record
Last Sale	$435,000 (Mar 2021)
Tax Bill	$5,232 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage Mar 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`165-292-21-00`

Property Details

APN / Parcel Number

Primary APN	`165-292-21-00`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,220 sqft Living Area

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Lot Area	1,138 sqft (0.26 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	3646 HARVARD DR
City	OCEANSIDE
State	CA
Zip	92056-4160
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-B
Legal Description	LOT 76&76A TR 005581
Legal Subdivision	COLLEGE VIEW ESTATES
Legal Tract	005581
Legal Block	3
Legal Lot Number	76
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3002
Census Tract	18517

Owner

Source: San Diego County records, as of July 21, 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	3646 HARVARD DR, OCEANSIDE, CA 92056-4160
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 12, 2021	Grant Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Mar 12, 2020	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Jun 4, 2019	Quit Claim Deed, Transfer QUICKEN LNS
Jun 4, 2019	Grant Deed, Transfer · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 12, 2021 · Amount on Record
Deed Sale	Mar 12, 2021 · Amount on Record
Prior Sale	Jun 4, 2019 · Amount on Record
Deed Document Number	2021194762
Prior Transfer Date	Jun 3, 2019
Prior Transfer Doc	0000214333
Record Updated	Sep 20, 2026

March 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 12, 2021
Property Address	3646 HARVARD DR, OCEANSIDE, CA 92056-4160
Document Number	0000194762
Map Reference	MAP 5581
Instrument Date	Feb 16, 2021
Instrument	2021-0194762
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

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
Address	3646 HARVARD DR, OCEANSIDE, CA 92056-4160

Mortgage

Document Number	0000194763
Date	Mar 12, 2021
Instrument	2021-0194763

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3646 HARVARD DR, OCEANSIDE, CA 92056-4160
Document Number	0000142260
Instrument Date	Mar 12, 2020
Transaction Type	Mortgage
Record Updated	Apr 8, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	3646 HARVARD DR OCEANSIDE CA 920564160, OCEANSIDE, CA 92056-4160

Mortgage

Document Number	0000142260
Date	Mar 19, 2020
Instrument	142260

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 18, 2050

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 4, 2019
Property Address	3646 HARVARD DR, OCEANSIDE, CA 92056-4160
Document Number	0000214333
Instrument Date	Jun 3, 2019
Instrument	214333
Transaction Type	Transfer
Record Updated	Jun 1, 2020
Title Company	CORINTHIAN TITLE COMPANY, CORINTHIAN TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	3646 HARVARD DR OCEANSIDE CA 920564160, OCEANSIDE, CA 92056-4160

Mortgage

Document Number	214334
Date	Jun 4, 2019
Instrument	214334

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 3, 2049

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 4, 2019
Property Address	3646 HARVARD DR, OCEANSIDE, CA 92056-4160
Document Number	0000214332
Instrument Date	May 8, 2019
Instrument	214332
Transaction Type	Transfer
Record Updated	Jun 1, 2020
Title Company	CORINTHIAN TITLE COMPANY, CORINTHIAN TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$424.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	3646 HARVARD DR OCEANSIDE CA 920564160, OCEANSIDE, CA 92056-4160

Mortgage

Document Number	214334
Date	Jun 4, 2019
Instrument	214334

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 3, 2049

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 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		$480,270 (+2%) Land $274,443 Building $205,827
2025	$5,232.00 (+5.25%) Homeowner's exemption	$470,854 (+4.04%) Land $269,062 Building $201,792
2023	$4,971.00 (+1.55%) Homeowner's exemption	$452,572 Land $258,615 Building $193,957
2022	$4,895.00

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	1 in force

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 98% of the US · lower than 98.4% 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	La Jolla Western tribal government · serves 296 people · EPA ID 090605008
Water Source	Groundwater
Last State Inspection	Apr 2021
Also Mapped Here	SAN DIEGO COUNTY WATER AUTHORITY, CITY OF OCEANSIDE
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	1 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 132 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Starlink Satellite	280 / 30

May also be available: AT&T, Spectrum, T-Mobile, Verizon.

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