3709 Cortez Way, Oceanside, CA 92056 Property Records

San Diego County property record for 3709 Cortez Way, Oceanside, CA 92056

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 827 sqft · built 1972
Lot Size	0.99 acres (4,300 sqft)
Owner	Company Name on Record
Last Sale	$98,500 (Oct 1999)
Tax Bill	$1,665 (2025)
Deeds & Mortgages	Jan 2023 Reverse Mortgage May 2017 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`165-391-50-00`

Property Details

APN / Parcel Number

Primary APN	`165-391-50-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	827 sqft Living Area

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Lot Area	4,300 sqft (0.99 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	3709 CORTEZ WAY
City	OCEANSIDE
State	CA
Zip	92056-3925
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-A
Legal Description	LOT 230 TR 006997
Legal Subdivision	COSTA SERENA
Legal Tract	006997
Legal Block	3
Legal Lot Number	230
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3000
Census Tract	18517

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	Company Name on Record
Mailing Address	3709 CORTEZ WAY, OCEANSIDE, CA 92056-3925
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2023	Intrafamily Transfer, Transfer · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC
May 31, 2017	Deed of Trust, Mortgage · Line of Credit MUFG UNION BANK NA
Sep 8, 2017	Intrafamily Transfer, Transfer · VA Mortgage FLAGSTAR BANK FSB
Sep 8, 2017	Quit Claim Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 15, 1999 · Amount on Record
Deed Sale	Oct 15, 1999 · Amount on Record
Deed Document Number	1999697426
Last Transfer Date	Nov 11, 2022
Transfer Doc	0000021969
Record Updated	Sep 20, 2026

January 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 26, 2023
Property Address	3709 CORTEZ WAY, OCEANSIDE, CA 92056-3925
Document Number	0000021969
Map Reference	MAP 6997
Instrument Date	Nov 11, 2022
Instrument	2023-0021969
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	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	Family Trust
Address	3709 CORTEZ WAY, OCEANSIDE, CA 92056-3925

Mortgage

Document Number	0000021970
Date	Jan 26, 2023
Instrument	2023-0021970

Lender

Name	FINANCE OF AMERICA REVERSE LLC
Type	Reverse Mortgage Lender

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	838 Months
Due	Nov 9, 2092

Interest

Rate Type	Fixed Rate

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3709 CORTEZ WAY, OCEANSIDE, CA 92056-3925
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000244487
Date	May 31, 2017
Instrument	2017-0244487

Lender

Name	MUFG UNION BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 8, 2017
Property Address	3709 CORTEZ WAY, OCEANSIDE, CA 92056-3925
Document Number	0000413003
Map Reference	MAP6997
Instrument Date	Aug 30, 2017
Instrument	2017-0413003
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

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	3709 CORTEZ WAY, OCEANSIDE, CA 92056-3925

Mortgage

Document Number	0000413004
Date	Sep 8, 2017
Instrument	2017-0413004

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 8, 2017
Property Address	3709 CORTEZ WAY, OCEANSIDE, CA 92056-3925
Document Number	0000413005
Instrument Date	Aug 30, 2017
Instrument	413005
Transaction Type	Transfer
Record Updated	Sep 13, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	3709 CORTEZ WAY OCEANSIDE CA 920563925, OCEANSIDE, CA 92056-3925

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		$154,392 (+2%) Land $66,167 Building $88,225
2025	$1,665.00 (+2.02%) Homeowner's exemption	$151,366 (+4.04%) Land $64,870 Building $86,496
2024	$1,632.00 (+3.29%)
2023	$1,580.00 (+1.67%) Homeowner's exemption	$145,490 Land $62,352 Building $83,138
2022	$1,554.00

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 · 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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	1 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	Low lower than 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 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	La Jolla Western tribal government · serves 296 people · EPA ID 090605008
Water Source	Groundwater
Last State Inspection	Apr 2021
Also Mapped Here	SAN DIEGO COUNTY WATER AUTHORITY, CITY OF OCEANSIDE
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	1 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 544 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
AT&T Fixed Wireless · DSL	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: GeoLinks.

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