3738 Mount Vernon Ave, Oceanside, CA 92057 Property Records

San Diego County property record for 3738 Mount Vernon Ave, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,050 sqft · built 1975
Lot Size	0.42 acres (1,849 sqft)
Owner	2 Individual Names on Record
Last Sale	$299,000 (Sep 2018)
Tax Bill	$3,701 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`162-333-21-00`

Property Details

APN / Parcel Number

Primary APN	`162-333-21-00`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,050 sqft Living Area

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Lot Area	1,849 sqft (0.42 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Radiant

Location & Zoning

Street Address	3738 MOUNT VERNON AVE
City	OCEANSIDE
State	CA
Zip	92057-8603
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-A
Legal Description	LOT 286 UND 1/141 INT IN LOT C&ALL OF TR 007536
Legal Subdivision	OCEANA SOUTH
Legal Tract	007536
Legal Block	3
Legal Lot Number	286,C
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3002
Census Tract	18512

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	3738 MOUNT VERNON AVE, OCEANSIDE, CA 92057-8603
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2025	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Jan 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Sep 27, 2018	Grant Deed, Transfer · Conventional with PMI GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 27, 2018 · Amount on Record
Deed Sale	Sep 27, 2018 · Amount on Record
Prior Sale	Mar 3, 1992 · Amount on Record
Deed Document Number	2018403995
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3738 MOUNT VERNON AVE, OCEANSIDE, CA 92057-8603
Transaction Type	Mortgage
Record Updated	Dec 31, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3738 MOUNT VERNON AVE, OCEANSIDE, CA 92057-8603

Mortgage

Document Number	0000359593
Date	Dec 22, 2025
Instrument	2025-0359593

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	DALY CITY, CA 94014

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3738 MOUNT VERNON AVE, OCEANSIDE, CA 92057-8603
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATL TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3738 MOUNT VERNON AVE, OCEANSIDE, CA 92057-8603

Mortgage

Document Number	0000040281
Date	Jan 19, 2021
Instrument	2021-0040281

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

September 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 27, 2018
Property Address	3738 MOUNT VERNON AVE, OCEANSIDE, CA 92057-8603
Document Number	0000403995
Instrument Date	Sep 5, 2018
Instrument	403995
Transaction Type	Transfer
Record Updated	Oct 4, 2018
Title Company	EQUITY TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$328.90
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	3738 MOUNT VERNON AVE OCEANSIDE CA 920578603, OCEANSIDE, CA 92057-8603

Mortgage

Document Number	403996
Date	Sep 27, 2018
Instrument	403996

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 26, 2048

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		$340,205 (+2%) Land $227,563 Building $112,642
2025	$3,701.00 (+5.29%) Homeowner's exemption	$333,535 (+4.04%) Land $223,101 Building $110,434
2023	$3,515.00 (+1.56%) Homeowner's exemption	$320,586 Land $214,439 Building $106,147
2022	$3,461.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (1998)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 1998 · Severe Winter Storms And Flooding

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 99.8% of the US · lower than 99.8% 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	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 447 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

May also be available: AT&T, GeoLinks.

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