3686 Via Bernardo, Oceanside, CA 92056 Property Records

San Diego County property record for 3686 Via Bernardo, Oceanside, CA 92056

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,585 sqft · built 1991
Lot Size	0.112 acres (4,862 sqft)
Owner	2 Company Names on Record
Tax Bill	$3,611 (2025)
Deeds & Mortgages	May 2021 Mortgage Jan 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`169-474-24-00`

Property Details

APN / Parcel Number

Primary APN	`169-474-24-00`

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 1991
Effective Year Built	Effective 1991
Lot Area	4,862 sqft (0.112 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	3686 VIA BERNARDO
City	OCEANSIDE
State	CA
Zip	92056-7232
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-A
Legal Description	LOT 60 TR 011816
Legal Subdivision	SOUTHRIDGE TRLS
Legal Tract	011816
Legal Block	2
Legal Lot Number	60
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2004
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 Company Names on Record
Mailing Address	3686 VIA BERNARDO, OCEANSIDE, CA 92056-7232
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
May 20, 2021	Intrafamily Transfer, Transfer · VA Mortgage QUICKEN LOANS LLC
Jan 6, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
Mar 14, 2019	Deed of Trust, Mortgage · Conventional with PMI POWER CHOICE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 20, 2021
Deed Sale	May 20, 2021
Prior Sale	Feb 18, 1994 · Amount on Record
Deed Document Number	2021385584
Prior Transfer Date	Dec 16, 2020
Prior Transfer Doc	0000385584
Record Updated	Oct 29, 2026

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	May 20, 2021
Property Address	3686 VIA BERNARDO, OCEANSIDE, CA 92056-7232
Document Number	0000385584
Map Reference	MAP 11816
Instrument Date	Dec 16, 2020
Instrument	2021-0385584
Transaction Type	Transfer
Record Updated	Jun 2, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS 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	3686 VIA BERNARDO, OCEANSIDE, CA 92056-7232

Mortgage

Document Number	0000385585
Date	May 20, 2021
Instrument	2021-0385585

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Jan 1, 2051

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3686 VIA BERNARDO, OCEANSIDE, CA 92056-7232
Document Number	0000015264
Instrument Date	Jan 6, 2020
Transaction Type	Mortgage
Record Updated	Feb 3, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3686 VIA BERNARDO OCEANSIDE CA 920567232, OCEANSIDE, CA 92056-7232

Mortgage

Document Number	0000015264
Date	Jan 13, 2020
Instrument	15264

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 12, 2050

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3686 VIA BERNARDO, OCEANSIDE, CA 92056-7232
Document Number	0000114021
Instrument Date	Mar 14, 2019
Transaction Type	Mortgage
Record Updated	Apr 5, 2019
Title Company	TICOR TITLE ORANGE COUNTY BR, TICOR TITLE ORANGE CNTY BR

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3686 VIA BERNARDO OCEANSIDE CA 920567232, OCEANSIDE, CA 92056-7232

Mortgage

Document Number	0000114021
Date	Mar 29, 2019
Instrument	114021

Lender

Name	POWER CHOICE MORTGAGE
Type	Bank
Address	ALISO VIEJO, CA 92656

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 28, 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		$328,475 (+2%) Land $80,762 Building $247,713
2025	$3,611.00 (+8.73%) Homeowner's exemption	$322,035 (+4.04%) Land $79,179 Building $242,856
2023	$3,321.00 (+0.3%) Homeowner's exemption	$309,532 Land $76,105 Building $233,427
2022	$3,311.00

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.

Nearby Properties on Via Bernardo

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures