3659 Via Bernardo, Oceanside, CA 92056 Property Records

San Diego County property record for 3659 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 (4,808 sqft)
Owner	2 Individual Names on Record
Last Sale	$220,000 (Mar 1998)
Tax Bill	$3,941 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Nov 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`169-473-15-00`

Property Details

APN / Parcel Number

Primary APN	`169-473-15-00`

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	4,808 sqft (0.11 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	3659 VIA BERNARDO
City	OCEANSIDE
State	CA
Zip	92056-7229
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-A
Legal Description	LOT 15 TR 011816
Legal Subdivision	SOUTH RIDGE TRAILS
Legal Tract	011816
Legal Block	2
Legal Lot Number	15
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 28, 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	3659 VIA BERNARDO, OCEANSIDE, CA 92056-7229
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 28, 2022	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Nov 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage WATERMARK CAPITAL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 12, 1998 · Amount on Record
Deed Sale	Mar 12, 1998 · Amount on Record
Prior Sale	Dec 21, 1994 · Amount on Record
Deed Document Number	1998135706
Last Transfer Date	May 15, 2009
Transfer Doc	0000392433
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3659 VIA BERNARDO, OCEANSIDE, CA 92056-7229
Transaction Type	Mortgage
Record Updated	Dec 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3659 VIA BERNARDO, OCEANSIDE, CA 92056-7229

Mortgage

Document Number	0000450559
Date	Nov 28, 2022
Instrument	2022-0450559

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	BURLINGAME, CA 94010

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3659 VIA BERNARDO, OCEANSIDE, CA 92056-7229
Transaction Type	Mortgage
Record Updated	Dec 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3659 VIA BERNARDO, OCEANSIDE, CA 92056-7229

Mortgage

Document Number	0000806236
Date	Nov 23, 2021
Instrument	2021-0806236

Lender

Name	WATERMARK CAPITAL INC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

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

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		$358,278 (+2%) Land $95,026 Building $263,252
2025	$3,941.00 (+8.72%) Homeowner's exemption	$351,254 (+4.04%) Land $93,163 Building $258,091
2023	$3,625.00 (+0.3%) Homeowner's exemption	$337,617 Land $89,547 Building $248,070
2022	$3,614.00

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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