San Diego County property record for 3654 Merced Dr, Oceanside, CA 92056 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 5 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 1999 |
| Square Footage | 3,006 sqft Living Area |
| Lot Size | 7,472 sqft (0.172 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $745,500 (2017) |
| Tax Bill | $1,703.00 (2025) |
| Primary APN | 169-531-25-00 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 3,006 sqft Living Area |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Lot Area | 7,472 sqft (0.172 acres) |
| Parking Spaces | 3 Parking Spaces |
| Street Address | 3654 MERCED DR |
|---|---|
| City | OCEANSIDE |
| State | CA |
| Zip | 92056-5492 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 41 TR 012275 |
| Legal Subdivision | SOUTH RIDGE TRAILS |
| Legal Tract | 012275 |
| Legal Block | 2 |
| Legal Lot Number | 41 |
| Jurisdiction | SAN DIEGO CA |
| Minor Civil Division | OCEANSIDE-ESCONDIDO |
| Census Blockgroup | 2 |
| Census Block | 2006 |
| Census Tract | 19809 |
Source: San Diego County records · APN 169-531-25-00
Assessment roll updated July 21, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 3654 MERCED DR, OCEANSIDE, CA 92056-5492 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Community Property |
| Date | Document |
|---|---|
| Apr 08, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Jul 13, 2017 | Grant Deed, Transfer · Conventional Mortgage BANK OF AMERICA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 13, 2017 · Amount on Record |
| Deed Sale | Jul 13, 2017 · Amount on Record |
| Prior Sale | Apr 30, 1998 · Amount on Record |
| Deed Doc Number | 2017316704 |
| Prior Transfer Date | Oct 24, 2014 |
| Prior Transfer Doc | 0000487085 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 3654 MERCED DR, OCEANSIDE, CA 92056-5492 |
| Transaction Type | Mortgage |
| Record Updated | Apr 20, 2021 |
| Title Company | ADVANTAGE TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 3654 MERCED DR, OCEANSIDE, CA 92056-5492 |
| Document Number | 0000272961 |
|---|---|
| Date | Apr 08, 2021 |
| Instrument | 2021-0272961 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Jul 13, 2017 |
| Property Address | 3654 MERCED DR, OCEANSIDE, CA 92056-5492 |
| Document Number | 0000316704 |
| Instrument Date | Jun 21, 2017 |
| Instrument | 316704 |
| Transaction Type | Transfer |
| Record Updated | Jul 20, 2017 |
| Title Company | TITLE 365 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $820.00 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Address | 3654 MERCED DR OCEANSIDE CA 920565492, OCEANSIDE, CA 92056-5492 |
| Document Number | 316705 |
|---|---|
| Date | Jul 13, 2017 |
| Instrument | 316705 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 12, 2047 |
Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Municipality | Oceanside City |
| Unified School District | Vista Unified School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $156,200 (+2%) Land $18,816 Building $137,384 | |
| 2025 | $1,703.00 (+8.82%) Homeowner's exemption | $153,139 (+4.04%) Land $18,448 Building $134,691 |
| 2023 | $1,565.00 (+0.38%) Homeowner's exemption | $147,194 Land $17,733 Building $129,461 |
| 2022 | $1,559.00 |
3654 Merced Dr is in FEMA Zone X, outside the Special Flood Hazard Area, with indirect wildfire exposure (Low risk).
Source: FEMA National Flood Hazard Layer · San Diego County (06073C), updated September 3, 2026
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Low 20th percentile of exposed land nationally · 11th in California |
|---|---|
| Wildfire Likelihood | Low — about 1 in 8,333 per year |
| Exposure | Indirect within ember reach of burnable land · adjoins burnable vegetation |
Values are read at the parcel center point; lenders make the official flood determination.
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