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3659 Cerro Ave, Oceanside, CA 92056 Property Records

San Diego County property record for 3659 Cerro Ave, Oceanside, CA 92056 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,862 sqft · built 1980
Lot Size0.245 acres (10,655 sqft)
Owner2 Individual Names on File
Last Sale$299,500 (Jun 2011)
Tax Bill$4,307 (2025)
Deeds & MortgagesJan 2022 Line of Credit
Oct 2021 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN168-241-07-00

Property Details

APN / Parcel Number

Primary APN168-241-07-00

Interior

Bedrooms4 Beds
Full Baths2 Baths
Building Area1,862 sqft Living Area

Exterior

Year BuiltBuilt 1980
Effective Year BuiltEffective 1980
Lot Area10,655 sqft (0.245 acres)
Garage TypeCarport
CarportCarport
Parking Spaces2 Parking Spaces

Location & Zoning

Street Address3659 CERRO AVE
CityOCEANSIDE
StateCA
Zip92056-5002
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 56 TR 008978
Legal SubdivisionVISTA CALAVERA
Legal Tract008978
Legal Block2
Legal Lot Number56
JurisdictionSAN DIEGO CA
Township / Civil DivisionOCEANSIDE-ESCONDIDO
Census Block Group2
Census Block2002
Census Tract19805

Owner

Source: San Diego County records · APN 168-241-07-00

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 Record2 Individual Names on File
Mailing Address3659 CERRO AVE, OCEANSIDE, CA 92056-5002
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Jan 12, 2022Deed of Trust, Mortgage · Line of Credit
PENTAGON FCU
Oct 15, 2021Deed of Trust, Mortgage · Conventional Mortgage
WESTERN EXPRESS LENDING
Feb 26, 2021Deed of Trust, Mortgage · Conventional Mortgage
LADERA LENDING INC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJun 20, 2011 · Amount on Record
Deed SaleJun 20, 2011 · Amount on Record
Prior SaleNov 09, 2007 · Amount on Record
Deed Document Number2011310938
Prior Transfer DateMar 29, 2004
Prior Transfer Doc0000275000
Record UpdatedSep 20, 2026

January 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address3659 CERRO AVE, OCEANSIDE, CA 92056-5002
Transaction TypeMortgage
Record UpdatedJan 19, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address3659 CERRO AVE, OCEANSIDE, CA 92056-5002

Mortgage

Document Number0000015869
DateJan 12, 2022
Instrument2022-0015869
Lender
NamePENTAGON FCU
TypeCredit Union
AddressMC LEAN, VA 22102
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueJan 11, 2052
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

October 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address3659 CERRO AVE, OCEANSIDE, CA 92056-5002
Transaction TypeMortgage
Record UpdatedOct 25, 2021
Title CompanySTEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

NameVerified Name
Address3659 CERRO AVE, OCEANSIDE, CA 92056-5002

Mortgage

Document Number0000720175
DateOct 15, 2021
Instrument2021-0720175
Lender
NameWESTERN EXPRESS LENDING
TypeMortgage Company
AddressLAKE FOREST, CA 92630
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2051

February 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address3659 CERRO AVE, OCEANSIDE, CA 92056-5002
Transaction TypeMortgage
Record UpdatedMar 10, 2021
Title CompanyUNISOURCE

Transferred To (Grantee/Buyer)

NameVerified Name
Address3659 CERRO AVE, OCEANSIDE, CA 92056-5002

Mortgage

Document Number0000152681
DateFeb 26, 2021
Instrument2021-0152681
Lender
NameLADERA LENDING INC
TypeMortgage Company
AddressLADERA RANCH, CA 92694
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term241 Months
DueMar 01, 2041

Tax Assessment & Valuation

Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySan Diego County
MunicipalityOceanside City
Unified School DistrictVista Unified School District (KG - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed Value
2026$391,374 (+2%) Land $235,219 Building $156,155
2025$4,307.00 (+6.06%) Homeowner's exemption$383,701 (+4.04%) Land $230,607 Building $153,094
2024$4,061.00 (+2.5%)
2023$3,962.00 (+0.3%) Homeowner's exemption$368,803 Land $221,653 Building $147,150
2022$3,950.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, San Diego County (06073C), updated September 3, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060730198052, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Claims1 (2018)
Claims Outside the SFHA1 of 1
Most Recent ClaimSep 2018, other causes

Wildfire

Wildfire RiskModerate
above 47% of the US · above 28% of California
Wildfire LikelihoodAbout 1 in 980 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 735 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Cox CommunicationsCable2,000 / 100
VerizonFixed Wireless300 / 20
AT&TDSL100 / 20

May also be available at this address: T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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