3851 Cambridge Ct, Oceanside, CA 92056 Property Records

San Diego County property record for 3851 Cambridge Ct, Oceanside, CA 92056

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,398 sqft · built 1986
Lot Size	1.15 acres (50,094 sqft)
Owner	Individual Name on Record
Last Sale	$145,900 (Nov 1985)
Tax Bill	$3,223 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Feb 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`166-701-09-00`

Property Details

APN / Parcel Number

Primary APN	`166-701-09-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,398 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Contemporary
Roof Material	Composition Shingle
Lot Area	50,094 sqft
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3851 CAMBRIDGE CT
City	OCEANSIDE
State	CA
Zip	92056-3372
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 9 TR 009331
Legal Subdivision	MIRA COSTA ESTATES
Legal Tract	009331
Legal Block	1
Legal Lot Number	9
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1001
Census Tract	18516

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	Individual Name on Record
Mailing Address	3851 CAMBRIDGE CT, OCEANSIDE, CA 92056-3372
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 10, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage MISSION FCU
Feb 20, 2019	Quit Claim Deed ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 18, 1985 · Amount on Record
Deed Sale	Nov 18, 1985 · Amount on Record
Deed Document Number	1985433838
Last Transfer Date	Dec 3, 2021
Transfer Doc	0000835868
Record Updated	Sep 20, 2026

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 10, 2021
Property Address	3851 CAMBRIDGE CT, OCEANSIDE, CA 92056-3372
Document Number	0000835868
Map Reference	MAP 9331
Instrument Date	Dec 3, 2021
Instrument	2021-0835868
Transaction Type	Transfer
Record Updated	Dec 20, 2021
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

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	3851 CAMBRIDGE CT, OCEANSIDE, CA 92056-3372

Mortgage

Document Number	0000835869
Date	Dec 10, 2021
Instrument	2021-0835869

Lender

Name	MISSION FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.5%
Type Change Date	Jan 1, 2027
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	4.5%
Index	1-Year LIBOR
Max Rate	7.5%

February 2019: Quit Claim Deed

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 20, 2019
Property Address	3851 CAMBRIDGE CT, OCEANSIDE, CA 92056-3372
Document Number	0000059608
Instrument Date	Feb 5, 2019
Instrument	59608
Record Updated	Mar 1, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3851 CAMBRIDGE CT OCEANSIDE CA 920563372, OCEANSIDE, CA 92056-3372

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		$296,319 (+2%) Land $97,475 Building $198,844
2025	$3,223.00 (+5.29%) Homeowner's exemption	$290,510 (+4.04%) Land $95,564 Building $194,946
2023	$3,061.00 (+1.56%) Homeowner's exemption	$279,231 Land $91,854 Building $187,377
2022	$3,014.00

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 96% of the US · lower than 97.4% of California
Wildfire Likelihood	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 563 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
FiberFirst Fiber	5,000 / 5,000
Cox Communications Cable	2,000 / 100
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: GeoLinks, Verizon.

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