3665 Via Bernardo, Oceanside, CA 92056 Property Records

San Diego County property record for 3665 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	0.109 acres (4,747 sqft)
Owner	Company Name on Record
Last Sale	$1,035,000 (Jun 2022)
Tax Bill	$12,379 (2025)
Deeds & Mortgages	Jul 2023 Transfer Sep 2022 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`169-473-13-00`

Property Details

APN / Parcel Number

Primary APN	`169-473-13-00`

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	4,747 sqft (0.109 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	3665 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 13 TR 011816
Legal Subdivision	SOUTH RIDGE TRAILS
Legal Tract	011816
Legal Block	2
Legal Lot Number	13
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	3665 VIA BERNARDO, OCEANSIDE, CA 92056-7229
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jul 3, 2023	Intrafamily Transfer, Transfer
Sep 14, 2022	Deed of Trust, Mortgage · Line of Credit GEORGIAS OWN CU
Jun 17, 2022	Grant Deed, Transfer · Conventional Mortgage BAY EQUITY LLC
Jun 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Dec 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 16, 2019	Quit Claim Deed, Transfer · Conventional with PMI BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 17, 2022 · Amount on Record
Deed Sale	Jun 17, 2022 · Amount on Record
Prior Sale	Mar 29, 2016 · Amount on Record
Deed Document Number	2022253676
Last Transfer Date	Jun 13, 2023
Transfer Doc	0000173362
Record Updated	Sep 20, 2026

July 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 3, 2023
Property Address	3665 VIA BERNARDO, OCEANSIDE, CA 92056-7229
Document Number	0000173362
Map Reference	MAP 11816
Instrument Date	Jun 13, 2023
Instrument	2023-0173362
Transaction Type	Transfer
Record Updated	Jul 12, 2023

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
Relationship	Family Trust
Address	3665 VIA BERNARDO, OCEANSIDE, CA 92056-7229

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3665 VIA BERNARDO, OCEANSIDE, CA 92056-7229
Transaction Type	Mortgage
Record Updated	Sep 23, 2022
Title Company	WFG TITLE COMPANY OF CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3665 VIA BERNARDO, OCEANSIDE, CA 92056-7229

Mortgage

Document Number	0000364233
Date	Sep 14, 2022
Instrument	2022-0364233

Lender

Name	GEORGIAS OWN CU
Type	Credit Union
Address	ATLANTA, GA 30303

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 13, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 17, 2022
Property Address	3665 VIA BERNARDO, OCEANSIDE, CA 92056-7229
Document Number	0000253676
Map Reference	MAP 11816
Instrument Date	May 23, 2022
Instrument	2022-0253676
Transaction Type	Transfer
Record Updated	Jun 27, 2022
Title Company	TICOR TITLE COMPANY/CA, TICOR TITLE COMPANY OF CA

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
Relationship	Joint Tenants
Address	3665 VIA BERNARDO, OCEANSIDE, CA 92056-7229

Mortgage

Document Number	0000253677
Date	Jun 17, 2022
Instrument	2022-0253677

Lender

Name	BAY EQUITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3665 VIA BERNARDO, OCEANSIDE, CA 92056-7229
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000313742
Date	Jun 17, 2020
Instrument	2020-0313742

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3665 VIA BERNARDO, OCEANSIDE, CA 92056-7229
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3665 VIA BERNARDO, OCEANSIDE, CA 92056-7229

Mortgage

Document Number	0000787237
Date	Dec 8, 2020
Instrument	2020-0787237

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

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

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 16, 2019
Property Address	3665 VIA BERNARDO, OCEANSIDE, CA 92056-7229
Document Number	0000137445
Instrument Date	Apr 11, 2019
Instrument	137445
Transaction Type	Transfer
Record Updated	Apr 23, 2019
Title Company	CORINTHIAN TITLE COMPANY, CORINTHIAN TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	3665 VIA BERNARDO OCEANSIDE CA 920567229, OCEANSIDE, CA 92056-7229

Mortgage

Document Number	137446
Date	Apr 16, 2019
Instrument	137446

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 15, 2049

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		$1,120,315 (+2%) Land $638,634 Building $481,681
2025	$12,379.00 (+8.67%) Homeowner's exemption	$1,098,349 (+4.04%) Land $626,112 Building $472,237
2023	$11,391.00 (+50.71%) Homeowner's exemption	$1,055,700 (+53.14%) Land $601,800 Building $453,900
2022	$7,558.00 Homeowner's exemption	$689,386 Land $353,467 Building $335,919

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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