3683 Water Way, Oceanside, CA 92056 Property Records

San Diego County property record for 3683 Water Way, Oceanside, CA 92056

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,191 sqft · built 1990
Lot Size	0.3 acres (1,300 sqft)
Owner	2 Individual Names on File
Last Sale	$370,000 (Feb 2018)
Tax Bill	$4,731 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`168-130-05-00`

Property Details

APN / Parcel Number

Primary APN	`168-130-05-00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,191 sqft Living Area

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Contemporary
Exterior Material	Block
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	1,300 sqft (0.3 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3683 WATER WAY
City	OCEANSIDE
State	CA
Zip	92056-5025
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-A
Legal Description	LOT 138 TR 007671
Legal Subdivision	BAY SHORES
Legal Tract	007671
Legal Block	1
Legal Lot Number	138
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2006
Census Tract	19805

Owner

3683 Water Way is owned and occupied by two individuals who bought it in February 2018.

Source: San Diego County records, as of July 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3683 WATER WAY, OCEANSIDE, CA 92056-5025
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2022	Deed of Trust, Mortgage · Line of Credit MISSION FCU
Nov 3, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage MISSION FCU
Feb 2, 2018	Grant Deed, Transfer · Conventional with PMI PRIME LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 2, 2018 · Amount on File
Deed Sale	Feb 2, 2018 · Amount on File
Prior Sale	Apr 27, 1995 · Amount on File
Deed Document Number	201844344
Prior Transfer Date	Mar 14, 1995
Prior Transfer Doc	0000176811
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3683 WATER WAY, OCEANSIDE, CA 92056-5025
Transaction Type	Mortgage
Record Updated	Jul 14, 2022
Title Company	ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3683 WATER WAY, OCEANSIDE, CA 92056-5025

Mortgage

Document Number	0000274965
Date	Jul 6, 2022
Instrument	2022-0274965

Lender

Name	MISSION FCU
Type	Credit Union
Address	SAN DIEGO, CA 92191

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Jul 31, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 3, 2020
Property Address	3683 WATER WAY, OCEANSIDE, CA 92056-5025
Document Number	0000684839
Map Reference	MAP 7671
Instrument Date	Oct 3, 2020
Instrument	2020-0684839
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	CALIFORNIA MEMBERS TITLE CO

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	Joint Tenants
Address	3683 WATER WAY, OCEANSIDE, CA 92056-5025

Mortgage

Document Number	0000684840
Date	Nov 3, 2020
Instrument	2020-0684840

Lender

Name	MISSION FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

February 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 2, 2018
Property Address	3683 WATER WAY, OCEANSIDE, CA 92056-5025
Document Number	0000044344
Instrument Date	Jan 9, 2018
Instrument	44344
Transaction Type	Transfer
Record Updated	Feb 8, 2018
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$407.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3683 WATER WAY OCEANSIDE CA 920565025, OCEANSIDE, CA 92056-5025

Mortgage

Document Number	44345
Date	Feb 2, 2018
Instrument	44345

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 3683 Water Way was $4,731, up 3.5% from the year before.

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	Carlsbad Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$443,799 (+2%) Land $285,275 Building $158,524
2025	$4,731.00 (+3.55%)	$435,098 Land $279,682 Building $155,416
2024	$4,569.00 (+0.53%)
2023	$4,545.00 (+1.56%)	$418,205 Land $268,823 Building $149,382
2022	$4,475.00

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

Flood

FEMA maps place 3683 Water Way in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2018.

Source: FEMA National Flood Hazard Layer, effective September 3, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2018)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2018 · other causes

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.

Wildfire

Wildfire risk around 3683 Water Way is low, with a 0.02% annual chance of 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	0.02% annual chance
Exposure	Indirect within 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	La Jolla Eastern tribal government · serves 1,076 people · EPA ID 090605007
Water Source	Groundwater
Last State Inspection	Apr 2021
Also Mapped Here	CITY OF OCEANSIDE, SAN DIEGO COUNTY WATER AUTHORITY
Lead	Below detection (2023–2025) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 596 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks, Spectrum, T-Mobile.

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