3700 Clove Way, Oceanside, CA 92057 Property Records

San Diego County property record for 3700 Clove Way, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,122 sqft · built 1975
Lot Size	0.42 acres (1,850 sqft)
Owner	2 Company Names on Record
Last Sale	$530,000 (Jan 2023)
Tax Bill	$2,814 (2025)
Deeds & Mortgages	Jul 2023 Transfer Jan 2023 Sale & Reverse Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`160-421-24-00`

Property Details

APN / Parcel Number

Primary APN	`160-421-24-00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,122 sqft Living Area

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Lot Area	1,850 sqft (0.42 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	3700 CLOVE WAY
City	OCEANSIDE
State	CA
Zip	92057-8335
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-A
Legal Description	LOT 86 &UND 1/126 INT IN LOT 127&ALL TR 007857
Legal Subdivision	OCEANA EAST
Legal Tract	007857
Legal Block	1
Legal Lot Number	86,12
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1003
Census Tract	18512

Owner

Source: San Diego County records, as of August 25, 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	3700 CLOVE WAY, OCEANSIDE, CA 92057-8335
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 19, 2023	Intrafamily Transfer, Transfer
Jan 17, 2023	Grant Deed, Transfer · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC
Mar 4, 2022	Intrafamily Transfer, Transfer
Aug 23, 2019	Quit Claim Deed, Transfer STEWART TITLE, STEWART TITLE/CA
Aug 23, 2019	Grant Deed, Transfer · Reverse Mortgage ONE REVERSE MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 17, 2023 · Amount on Record
Deed Sale	Jan 17, 2023 · Amount on Record
Prior Sale	Aug 23, 2019 · Amount on Record
Deed Document Number	202312612
Last Transfer Date	Jul 13, 2023
Transfer Doc	0000188529
Record Updated	Oct 29, 2026

July 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 19, 2023
Property Address	3700 CLOVE WAY, OCEANSIDE, CA 92057-8335
Document Number	0000188529
Map Reference	MAP 7587
Instrument Date	Jul 13, 2023
Instrument	2023-0188529
Transaction Type	Transfer
Record Updated	Jul 28, 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
Address	3700 CLOVE WAY, OCEANSIDE, CA 92057-8335

January 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 17, 2023
Property Address	3700 CLOVE WAY, OCEANSIDE, CA 92057-8335
Document Number	0000012612
Map Reference	MAP 7857
Instrument Date	Dec 27, 2022
Instrument	2023-0012612
Transaction Type	Transfer
Record Updated	Jan 25, 2023
Title Company	CORINTHIAN TITLE COMPANY

Transaction

Amount	Amount Recorded
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
Address	3700 CLOVE WAY, OCEANSIDE, CA 92057-8335

Mortgage

Document Number	0000012613
Date	Jan 17, 2023
Instrument	2023-0012613

Lender

Name	FINANCE OF AMERICA REVERSE LLC
Type	Reverse Mortgage Lender
Address	TULSA, OK 74133

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	788 Months
Due	Sep 1, 2088

Interest

Rate Type	Adjustable Rate
Rate	7.48%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 1, 2023
Change Frequency	Monthly
Index	1-Year T-Bill
Max Rate	12.4%

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 4, 2022
Property Address	3700 CLOVE WAY, OCEANSIDE, CA 92057-8335
Document Number	0000097744
Map Reference	MAP 7857
Instrument Date	Mar 3, 2022
Instrument	2022-0097744
Transaction Type	Transfer
Record Updated	Jun 7, 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
Address	3700 CLOVE WAY, OCEANSIDE, CA 92057-8335

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 23, 2019
Property Address	3700 CLOVE WAY, OCEANSIDE, CA 92057-8335
Document Number	0000361226
Instrument Date	Jul 16, 2019
Instrument	361226
Transaction Type	Transfer
Record Updated	Aug 30, 2019
Title Company	STEWART TITLE, STEWART TITLE/CA

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	3700 CLOVE WAY OCEANSIDE CA 920578335, OCEANSIDE, CA 92057-8335

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 23, 2019
Property Address	3700 CLOVE WAY, OCEANSIDE, CA 92057-8335
Document Number	0000361227
Map Reference	MAP 7857
Instrument Date	Jul 16, 2019
Instrument	2019-0361227
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	STEWART TITLE OF CA INC

Transaction

Amount	Amount Recorded
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
Address	3700 CLOVE WAY, OCEANSIDE, CA 92057-8335

Mortgage

Document Number	0000361228
Date	Aug 23, 2019
Instrument	2019-0361228

Lender

Name	ONE REVERSE MORTGAGE LLC
Type	Reverse Mortgage Lender

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.44%
Type Change Date	Sep 1, 2020
Change Frequency	Annually
Index	1-Year LIBOR

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	Oceanside Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$260,475 (+2%) Land $149,773 Building $110,702
2025	$2,814.00 (+2.03%) Homeowner's exemption	$255,369 (-39.27%) Land $146,837 Building $108,532
2024	$2,758.00 (-41.11%)
2023	$4,683.00 (+3.29%)	$420,468 Land $241,769 Building $178,699
2022	$4,534.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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
Flood Insurance Cost	Premium on Record median of 12 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	12 in force

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land 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	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 512 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · Fiber, DSL in parts of the area	100 / 20

May also be available: GeoLinks.

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