3650 Azure Lado Dr, Oceanside, CA 92056 Property Records

San Diego County property record for 3650 Azure Lado Dr, Oceanside, CA 92056

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,872 sqft · built 1983
Lot Size	0.144 acres (6,255 sqft)
Owner	2 Individual Names on File
Last Sale	$323,000 (Feb 2003)
Tax Bill	$5,257 (2025)
Deeds & Mortgages	Jan 2022 Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`168-242-37-00`

Property Details

APN / Parcel Number

Primary APN	`168-242-37-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,872 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	6,255 sqft (0.144 acres)
Lot Dimensions	100 ft deep x 60 ft wide
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	3650 AZURE LADO DR
City	OCEANSIDE
State	CA
Zip	92056-5004
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RE-B
Legal Description	LOT 49 TR 008978
Legal Subdivision	VISTA CALAVERA
Legal Tract	008978
Legal Block	2
Legal Lot Number	49
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2002
Census Tract	19805

Owner

3650 Azure Lado Dr is owned and occupied by two individuals who acquired it in June 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	3650 AZURE LADO DR, OCEANSIDE, CA 92056-5004
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jan 10, 2022	Deed of Trust, Mortgage · Conventional Mortgage SAN DIEGO COUNTY CU
May 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Aug 10, 2017	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN HERITAGE LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2003 · Amount on File
Deed Sale	Feb 28, 2003 · Amount on File
Prior Sale	Oct 30, 1987 · Amount on File
Deed Document Number	2003229750
Last Transfer Date	Jun 19, 2015
Transfer Doc	0000346543
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3650 AZURE LADO DR, OCEANSIDE, CA 92056-5004
Transaction Type	Mortgage
Record Updated	Jan 19, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3650 AZURE LADO DR, OCEANSIDE, CA 92056-5004

Mortgage

Document Number	0000013534
Date	Jan 10, 2022
Instrument	2022-0013534

Lender

Name	SAN DIEGO COUNTY CU
Type	Credit Union
Address	SAN DIEGO, CA 92121

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3650 AZURE LADO DR, OCEANSIDE, CA 92056-5004
Document Number	0000264122
Instrument Date	May 20, 2020
Transaction Type	Mortgage
Record Updated	Jun 3, 2020
Title Company	TICOR TITLE SAN DIEGO BR

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3650 AZURE LADO DR OCEANSIDE CA 920565004, OCEANSIDE, CA 92056-5004

Mortgage

Document Number	0000264122
Date	May 26, 2020
Instrument	264122

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 25, 2050

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3650 AZURE LADO DR, OCEANSIDE, CA 92056-5004
Document Number	0000376584
Instrument Date	Aug 10, 2017
Transaction Type	Mortgage
Record Updated	Aug 24, 2017
Title Company	TICOR TITLE INSURANCE COMPANY, TICOR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3650 AZURE LADO DR OCEANSIDE CA 920565004, OCEANSIDE, CA 92056-5004

Mortgage

Document Number	0000376584
Date	Aug 18, 2017
Instrument	376584

Lender

Name	AMERICAN HERITAGE LNDG
Address	COSTA MESA, CA 92627

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 17, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 3650 Azure Lado Dr was $5,257 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		$477,150 (+2%) Land $295,452 Building $181,698
2025	$5,257.00 Homeowner's exemption	$467,795 Land $289,659 Building $178,136
2023	$4,836.00 (+0.29%) Homeowner's exemption	$449,632 Land $278,412 Building $171,220
2022	$4,822.00

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

Flood

FEMA maps place 3650 Azure Lado Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2018.

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

Wildfire risk around 3650 Azure Lado Dr is moderate, ranking above 51% of the US, with a 0.1% annual chance of 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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