3653 Via Bernardo, Oceanside, CA 92056 Property Records

San Diego County property record for 3653 Via Bernardo, Oceanside, CA 92056

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,585 sqft · built 1990
Lot Size	0.122 acres (5,298 sqft)
Owner	2 Individual Names on Record
Last Sale	$490,000 (May 2013)
Tax Bill	$6,788 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`169-473-18-00`

Property Details

APN / Parcel Number

Primary APN	`169-473-18-00`

Interior

Bedrooms	4 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	5,298 sqft (0.122 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	3653 VIA BERNARDO
City	OCEANSIDE
State	CA
Zip	92056-7226
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-A
Legal Description	LOT 18 TR 011816
Legal Subdivision	SOUTH RDG TRLS
Legal Tract	011816
Legal Block	2
Legal Lot Number	18
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2003
Census Tract	19808

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	2 Individual Names on Record
Mailing Address	3653 VIA BERNARDO, OCEANSIDE, CA 92056-7226
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage HIGHTECHLENDING INC
Oct 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 8, 2013 · Amount on Record
Deed Sale	May 8, 2013 · Amount on Record
Prior Sale	Dec 13, 2012 · Amount on Record
Deed Document Number	2013290051
Prior Transfer Date	Jul 6, 2010
Prior Transfer Doc	0000349838
Record Updated	Sep 20, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3653 VIA BERNARDO, OCEANSIDE, CA 92056-7226
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3653 VIA BERNARDO, OCEANSIDE, CA 92056-7226

Mortgage

Document Number	0000676106
Date	Oct 30, 2020
Instrument	2020-0676106

Lender

Name	HIGHTECHLENDING INC
Type	Mortgage Company
Address	CITRUS HEIGHTS, CA 95610

Agreement

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

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3653 VIA BERNARDO, OCEANSIDE, CA 92056-7226
Document Number	0000499835
Instrument Date	Oct 18, 2019
Transaction Type	Mortgage
Record Updated	Nov 11, 2019
Title Company	AMERICAN COAST TITLE COMPANY, AMERICAN COAST TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3653 VIA BERNARDO OCEANSIDE CA 920567226, OCEANSIDE, CA 92056-7226

Mortgage

Document Number	0000499835
Date	Nov 1, 2019
Instrument	499835

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 31, 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	Vista Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$615,453 (+2%) Land $330,669 Building $284,784
2025	$6,788.00 (+8.68%) Homeowner's exemption	$603,386 (+4.04%) Land $324,186 Building $279,200
2023	$6,246.00 (+0.29%) Homeowner's exemption	$579,958 Land $311,599 Building $268,359
2022	$6,228.00

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

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

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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