3654 Via Bernardo, Oceanside, CA 92056 Property Records

San Diego County property record for 3654 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	0.11 acres (4,799 sqft)
Owner	Individual Name on Record
Last Sale	$635,000 (Sep 2019)
Tax Bill	$7,896 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Sep 2019 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`169-474-15-00`

Property Details

APN / Parcel Number

Primary APN	`169-474-15-00`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Building Area	2,585 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Conventional
Lot Area	4,799 sqft (0.11 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	3654 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 51 TR 011816
Legal Subdivision	SOUTH RIDGE TRAILS
Legal Tract	011816
Legal Block	2
Legal Lot Number	51
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2004
Census Tract	19808

Owner

Source: San Diego County records, as of July 28, 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	3654 VIA BERNARDO, OCEANSIDE, CA 92056-7227
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
Sep 5, 2019	Grant Deed, Transfer · Line of Credit QUORUM FEDERAL CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 5, 2019 · Amount on Record
Deed Sale	Sep 5, 2019 · Amount on Record
Prior Sale	Mar 3, 2009 · Amount on Record
Deed Document Number	2019383990
Last Transfer Date	Apr 24, 2021
Transfer Doc	0000332147
Record Updated	Oct 29, 2026

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 29, 2021
Property Address	3654 VIA BERNARDO, OCEANSIDE, CA 92056-7227
Document Number	0000332147
Map Reference	MAP 11816
Instrument Date	Apr 24, 2021
Instrument	2021-0332147
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	WESTMINSTER TITLE COMPANY INC, WESTMINSTER TITLE CO INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2996 BRANDON CIR, CARLSBAD, CA 92010-6546

Mortgage

Document Number	0000332148
Date	Apr 29, 2021
Instrument	2021-0332148

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

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

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 5, 2019
Property Address	3654 VIA BERNARDO, OCEANSIDE, CA 92056-7227
Document Number	0000383990
Map Reference	MAP 11816
Instrument Date	Aug 8, 2019
Instrument	2019-0383990
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	CORINTHIAN TITLE COMPANY

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	3654 VIA BERNARDO, OCEANSIDE, CA 92056-7227

Mortgage

Document Number	0000383992
Date	Sep 5, 2019
Instrument	2019-0383992

Lender

Name	QUORUM FEDERAL CU
Type	Credit Union
Address	PURCHASE, NY 10577

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 4, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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		$708,349 (+2%) Land $454,074 Building $254,275
2025	$7,896.00 (+8.64%)	$694,461 (+4.04%) Land $445,171 Building $249,290
2023	$7,268.00 (+0.25%)	$667,496 Land $427,886 Building $239,610
2022	$7,250.00

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.

Nearby Properties on Via Bernardo

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures