3856 Carnegie Dr, Oceanside, CA 92056 Property Records

San Diego County property record for 3856 Carnegie Dr, Oceanside, CA 92056

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,420 sqft · built 1993
Lot Size	0.6 acres (26,128 sqft)
Owner	2 Individual Names on Record
Last Sale	$575,500 (Jul 2015)
Tax Bill	$7,586 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`162-561-10-00`

Property Details

APN / Parcel Number

Primary APN	`162-561-10-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,420 sqft Living Area

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Lot Area	26,128 sqft (0.6 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	3856 CARNEGIE DR
City	OCEANSIDE
State	CA
Zip	92056-6322
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 453 TR 012450
Legal Subdivision	MIRACOSTA ESTATES
Legal Tract	012450
Legal Block	1
Legal Lot Number	453
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	2 Individual Names on Record
Mailing Address	3856 CARNEGIE DR, OCEANSIDE, CA 92056-6322
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2025	Deed of Trust, Mortgage · Line of Credit FRONTWAVE CU
Dec 4, 2020	Deed of Trust, Mortgage · Conventional with PMI FRONTWAVE CU
Dec 27, 2019	Deed of Trust, Mortgage · Conventional Mortgage JMAC LENDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 10, 2015 · Amount on Record
Deed Sale	Jul 10, 2015 · Amount on Record
Prior Sale	Feb 19, 2013 · Amount on Record
Deed Document Number	2015363933
Prior Transfer Date	Nov 26, 2002
Prior Transfer Doc	0000635166
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3856 CARNEGIE DR, OCEANSIDE, CA 92056-6322
Transaction Type	Mortgage
Record Updated	Dec 10, 2025
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3856 CARNEGIE DR, OCEANSIDE, CA 92056-6322

Mortgage

Document Number	0000338737
Date	Dec 1, 2025
Instrument	2025-0338737

Lender

Name	FRONTWAVE CU
Type	Credit Union
Address	OCEANSIDE, CA 92056

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Nov 24, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3856 CARNEGIE DR, OCEANSIDE, CA 92056-6322
Document Number	0000801186
Instrument Date	Dec 4, 2020
Transaction Type	Mortgage
Record Updated	Dec 21, 2020
Title Company	STEWART TITLE, STEWART TITLE/CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3856 CARNEGIE DR OCEANSIDE CA 920566322, OCEANSIDE, CA 92056-6322

Mortgage

Document Number	0000801186
Date	Dec 14, 2020
Instrument	801186

Lender

Name	FRONTWAVE CU
Address	OCEANSIDE, CA 92056

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 13, 2050

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3856 CARNEGIE DR, OCEANSIDE, CA 92056-6322
Document Number	0000005285
Instrument Date	Dec 27, 2019
Transaction Type	Mortgage
Record Updated	Jan 20, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE ORANGE CN

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3856 CARNEGIE DR OCEANSIDE CA 920566322, OCEANSIDE, CA 92056-6322

Mortgage

Document Number	0000005285
Date	Jan 6, 2020
Instrument	5285

Lender

Name	JMAC LENDING
Type	Funding / Finance Company
Address	SANTA ANA, CA 92705

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 5, 2050

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		$694,892 (+2%) Land $347,446 Building $347,446
2025	$7,586.00 (+5.21%) Homeowner's exemption	$681,268 (+4.04%) Land $340,634 Building $340,634
2023	$7,210.00 (+1.55%) Homeowner's exemption	$654,814 Land $327,407 Building $327,407
2022	$7,100.00

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 94% of the US · lower than 96% of California
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 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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