3711 Cortez Way, Oceanside, CA 92056 Property Records

San Diego County property record for 3711 Cortez Way, Oceanside, CA 92056

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 827 sqft · built 1972
Lot Size	0.76 acres (3,300 sqft)
Owner	2 Individual Names on Record
Last Sale	$287,000 (Jul 2005)
Tax Bill	$4,356 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Jan 2022 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`165-391-49-00`

Property Details

APN / Parcel Number

Primary APN	`165-391-49-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	827 sqft Living Area

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Contemporary
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Gravel
Lot Area	3,300 sqft (0.76 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	3711 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 231 TR 006997
Legal Subdivision	COSTA SERENA
Legal Tract	006997
Legal Block	3
Legal Lot Number	231
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 22, 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	3711 CORTEZ WAY, OCEANSIDE, CA 92056-3925
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 15, 2025	Deed of Trust, Mortgage · VA Mortgage SOVEREIGN LENDING GROUP INC
Jan 13, 2022	Deed of Trust, Mortgage · VA Mortgage CALIBER HOME LOANS INC
May 3, 2021	Deed of Trust, Mortgage · VA Mortgage CALIBER HOME LOANS INC
Jul 13, 2017	Deed of Trust, Mortgage · VA Mortgage FLAGSTAR BANK FSB
Nov 17, 2019	Deed of Trust, Mortgage · VA Mortgage SOVEREIGN LNDG
Feb 1, 2019	Deed of Trust, Mortgage · VA Mortgage SOVEREIGN LNDG
May 22, 2018	Deed of Trust, Mortgage SOVEREIGN LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2005 · Amount on Record
Deed Sale	Jul 28, 2005 · Amount on Record
Prior Sale	Feb 18, 2003 · Amount on Record
Deed Document Number	2005639855
Prior Transfer Date	Oct 10, 2001
Prior Transfer Doc	0000797238
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3711 CORTEZ WAY, OCEANSIDE, CA 92056-3925
Transaction Type	Mortgage
Record Updated	Oct 28, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3711 CORTEZ WAY, OCEANSIDE, CA 92056-3925

Mortgage

Document Number	0000287720
Date	Oct 15, 2025
Instrument	2025-0287720

Lender

Name	SOVEREIGN LENDING GROUP INC
Type	Mortgage Company
Address	COSTA MESA, CA 92626

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3711 CORTEZ WAY, OCEANSIDE, CA 92056-3925
Transaction Type	Mortgage
Record Updated	Jan 21, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3711 CORTEZ WAY, OCEANSIDE, CA 92056-3925

Mortgage

Document Number	0000018558
Date	Jan 13, 2022
Instrument	2022-0018558

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3711 CORTEZ WAY, OCEANSIDE, CA 92056-3925
Transaction Type	Mortgage
Record Updated	May 12, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3711 CORTEZ WAY, OCEANSIDE, CA 92056-3925

Mortgage

Document Number	0000338157
Date	May 3, 2021
Instrument	2021-0338157

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3711 CORTEZ WAY, OCEANSIDE, CA 92056-3925
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000315013
Date	Jul 13, 2017
Instrument	2017-0315013

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

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

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3711 CORTEZ WAY, OCEANSIDE, CA 92056-3925
Document Number	0000559493
Instrument Date	Nov 17, 2019
Transaction Type	Mortgage
Record Updated	Dec 11, 2019
Title Company	UNISOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	3711 CORTEZ WAY OCEANSIDE CA 920563925, OCEANSIDE, CA 92056-3925

Mortgage

Document Number	0000559493
Date	Dec 2, 2019
Instrument	559493

Lender

Name	SOVEREIGN LNDG
Address	COSTA MESA, CA 92626

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2049

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3711 CORTEZ WAY, OCEANSIDE, CA 92056-3925
Document Number	0000045413
Instrument Date	Feb 1, 2019
Transaction Type	Mortgage
Record Updated	Feb 21, 2019
Title Company	UNISOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	3711 CORTEZ WAY OCEANSIDE CA 920563925, OCEANSIDE, CA 92056-3925

Mortgage

Document Number	0000045413
Date	Feb 8, 2019
Instrument	45413

Lender

Name	SOVEREIGN LNDG
Address	COSTA MESA, CA 92626

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 7, 2049

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3711 CORTEZ WAY, OCEANSIDE, CA 92056-3925
Document Number	0000218411
Instrument Date	May 22, 2018
Transaction Type	Mortgage
Record Updated	Jun 18, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	3711 CORTEZ WAY OCEANSIDE CA 920563925, OCEANSIDE, CA 92056-3925

Mortgage

Document Number	0000218411
Date	May 31, 2018
Instrument	218411

Lender

Name	SOVEREIGN LNDG
Address	COSTAMESA, CA 92626

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 30, 2048

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 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		$400,017 (+2%) Land $292,697 Building $107,320
2025	$4,356.00 (+5.27%) Homeowner's exemption	$392,174 (+4.04%) Land $286,958 Building $105,216
2023	$4,138.00 (+1.57%) Homeowner's exemption	$376,947 Land $275,816 Building $101,131
2022	$4,074.00

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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