3698 Via Bernardo, Oceanside, CA 92056 Property Records

San Diego County property record for 3698 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	0.122 acres (5,302 sqft)
Owner	2 Individual Names on Record
Last Sale	$598,000 (Jun 2016)
Tax Bill	$7,969 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Nov 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`169-474-27-00`

Property Details

APN / Parcel Number

Primary APN	`169-474-27-00`

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	5,302 sqft (0.122 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	3698 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 63 TR 011816
Legal Subdivision	SOUTH RIDGE TRAILS
Legal Tract	011816
Legal Block	2
Legal Lot Number	63
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 Individual Names on Record
Mailing Address	3698 VIA BERNARDO, OCEANSIDE, CA 92056-7232
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2022	Deed of Trust, Mortgage · Conventional Mortgage SAN DIEGO COUNTY CU
Nov 8, 2019	Deed of Trust, Mortgage · Conventional with PMI GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 13, 2016 · Amount on Record
Deed Sale	Jun 13, 2016 · Amount on Record
Prior Sale	Aug 17, 2012 · Amount on Record
Deed Document Number	2016290114
Prior Transfer Date	Jul 24, 1997
Prior Transfer Doc	0000374727
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3698 VIA BERNARDO, OCEANSIDE, CA 92056-7232
Transaction Type	Mortgage
Record Updated	Mar 24, 2022
Title Company	BOSTON NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3698 VIA BERNARDO, OCEANSIDE, CA 92056-7232

Mortgage

Document Number	0000118392
Date	Mar 16, 2022
Instrument	2022-0118392

Lender

Name	SAN DIEGO COUNTY CU
Type	Credit Union
Address	SAN DIEGO, CA 92121

Agreement

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

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3698 VIA BERNARDO, OCEANSIDE, CA 92056-7232
Document Number	0000529521
Instrument Date	Nov 8, 2019
Transaction Type	Mortgage
Record Updated	Nov 26, 2019
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3698 VIA BERNARDO OCEANSIDE CA 920567232, OCEANSIDE, CA 92056-7232

Mortgage

Document Number	0000529521
Date	Nov 15, 2019
Instrument	529521

Lender

Name	GUARANTEED RATE
Address	OCEANSIDE, CA 92056

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 14, 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		$722,057 (+2%) Land $300,351 Building $421,706
2025	$7,969.00 (+8.69%) Homeowner's exemption	$707,900 (+4.04%) Land $294,462 Building $413,438
2023	$7,332.00 (+0.27%) Homeowner's exemption	$680,414 Land $283,029 Building $397,385
2022	$7,312.00

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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