San Diego County property record for 3656 Merced Dr, Oceanside, CA 92056 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2.5 Baths |
| Year Built | Built 1999 |
| Square Footage | 2,785 sqft Living Area |
| Lot Size | 7,547 sqft (0.173 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $765,000 (2019) |
| Tax Bill | $6,934.00 (2025) |
| Primary APN | 169-531-26-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 2,785 sqft Living Area |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Lot Area | 7,547 sqft (0.173 acres) |
| Street Address | 3656 MERCED DR |
|---|---|
| City | OCEANSIDE |
| State | CA |
| Zip | 92056-5492 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 42 TR 012275 |
| Legal Subdivision | SOUTH RIDGE TRAILS |
| Legal Tract | 012275 |
| Legal Block | 2 |
| Legal Lot Number | 42 |
| Jurisdiction | SAN DIEGO CA |
| Minor Civil Division | OCEANSIDE-ESCONDIDO |
| Census Blockgroup | 2 |
| Census Block | 2006 |
| Census Tract | 19809 |
Source: San Diego County records · APN 169-531-26-00
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 | 3656 MERCED DR, OCEANSIDE, CA 92056-5492 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Joint Tenants |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 28, 2019 · Amount on Record |
| Deed Sale | Mar 28, 2019 · Amount on Record |
| Prior Sale | Apr 15, 1998 · Amount on Record |
| Deed Doc Number | 2019111601 |
| Prior Transfer Date | Jul 05, 2004 |
| Prior Transfer Doc | 0000635498 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Mar 28, 2019 |
| Property Address | 3656 MERCED DR, OCEANSIDE, CA 92056-5492 |
| Document Number | 0000111601 |
| Map Reference | MAP 12275 |
| Instrument Date | Feb 15, 2019 |
| Instrument | 2019-0111601 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Title Company | TICOR TITLE SAN DIEGO BRANCH |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 4988 LASSEN DR, OCEANSIDE, CA 92056-5438 |
| Document Number | 0000111602 |
|---|---|
| Date | Mar 28, 2019 |
| Instrument | 2019-0111602 |
| Name | AXOS BANK |
|---|---|
| Type | Bank |
| Type | Adjustable Rate Mortgage (ARM) |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.25% |
| Type Change Date | Apr 01, 2024 |
| Change Frequency | Annually |
| Min Rate At Change | 6.25% |
| Max Rate At Change | 12.2% |
| Index | 1-Year LIBOR |
| Max Rate | 12.2% |
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 is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $621,472 (+2%) Land $158,474 Building $462,998 | |
| 2025 | $6,934.00 (+8.63%) | $609,287 (+4.04%) Land $155,367 Building $453,920 |
| 2023 | $6,383.00 (+0.25%) | $585,630 Land $149,335 Building $436,295 |
| 2022 | $6,367.00 |
3656 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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