San Diego County property record for 3822 Kelton Dr, Oceanside, CA 92056
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,595 sqft · built 1989 |
| Lot Size | 0.399 acres (17,398 sqft) |
| Owner | Company Name on Record |
| Last Sale | $215,000 (Mar 1989) |
| Tax Bill | $4,482 (2025) |
| Deeds & Mortgages | Sep 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 162-541-03-00 |
| Primary APN | 162-541-03-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,595 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Conventional |
| Exterior Material | Stucco |
| Roof Material | Tile |
| Lot Area | 17,398 sqft (0.399 acres) |
| View / Lot | Good |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 3822 KELTON DR |
|---|---|
| City | OCEANSIDE |
| State | CA |
| Zip | 92056-6324 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS |
| Legal Description | LOT 441 TR 011738 |
| Legal Subdivision | MIRA COSTA ESTATES |
| Legal Tract | 011738 |
| Legal Block | 1 |
| Legal Lot Number | 441 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | OCEANSIDE-ESCONDIDO |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 18516 |
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 | 3822 KELTON DR, OCEANSIDE, CA 92056-6324 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 10, 1989 · Amount on Record |
| Deed Sale | Mar 10, 1989 · Amount on Record |
| Prior Sale | Sep 8, 1988 · Amount on Record |
| Deed Document Number | 1989122356 |
| Last Transfer Date | Jan 31, 2008 |
| Transfer Doc | 0000179746 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 3822 KELTON DR, OCEANSIDE, CA 92056-6324 |
| Transaction Type | Mortgage |
| Record Updated | Oct 1, 2025 |
| Title Company | CHICAGO TITLE COMPANY-SD, CHICAGO TITLE COMPANY SD |
| Name | Verified Name |
|---|---|
| Address | 3822 KELTON DR, OCEANSIDE, CA 92056-6324 |
| Document Number | 0000257825 |
|---|---|
| Date | Sep 17, 2025 |
| Instrument | 2025-0257825 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.75% |
| Type Change Date | Oct 1, 2032 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 10.7% |
| Index | 1-Year CMT |
| Max Rate | 10.7% |
Source: San Diego County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Municipality | Oceanside City |
| Unified School District | Oceanside Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $411,494 (+2%) Land $182,306 Building $229,188 | |
| 2025 | $4,482.00 (+5.26%) Homeowner's exemption | $403,427 (+4.04%) Land $178,732 Building $224,695 |
| 2023 | $4,258.00 (+1.57%) Homeowner's exemption | $387,764 Land $171,793 Building $215,971 |
| 2022 | $4,192.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 97.8% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 119 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable · Fiber in parts of the area | 2,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL | 100 / 20 |
May also be available: GeoLinks.
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