3915 San Pablo Ave, Oceanside, CA 92057 Property Records

San Diego County property record for 3915 San Pablo Ave, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 977 sqft · built 1983
Lot Size	0.82 acres (3,564 sqft)
Owner	Individual Name on Record
Last Sale	$560,000 (Nov 2025)
Tax Bill	$4,929 (2025)
Deeds & Mortgages	Nov 2025 Sale Aug 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`160-522-29-00`

Property Details

APN / Parcel Number

Primary APN	`160-522-29-00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	977 sqft Living Area

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Lot Area	3,564 sqft (0.82 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	3915 SAN PABLO AVE
City	OCEANSIDE
State	CA
Zip	92057-7209
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-A
Legal Description	LOT 55 TR 010191
Legal Subdivision	RANCHO HERMOSA
Legal Tract	010191
Legal Block	1
Legal Lot Number	55
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1002
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	Individual Name on Record
Mailing Address	3915 SAN PABLO AVE, OCEANSIDE, CA 92057-7209
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Nov 14, 2025	Grant Deed, Transfer TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH
Aug 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage PATELCO CU
Jun 25, 2021	Deed of Trust, Mortgage · Line of Credit PATELCO CU
Aug 17, 2018	Grant Deed, Transfer · Conventional Mortgage CALIFORNIA TITLE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 14, 2025 · Amount on Record
Deed Sale	Nov 14, 2025 · Amount on Record
Prior Sale	Aug 17, 2018 · Amount on Record
Deed Document Number	2025321315
Prior Transfer Date	Jun 13, 2006
Prior Transfer Doc	0000437420
Record Updated	Oct 29, 2026

November 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 14, 2025
Property Address	3915 SAN PABLO AVE, OCEANSIDE, CA 92057-7209
Document Number	0000321315
Map Reference	MAP 10191
Instrument Date	Nov 4, 2025
Instrument	2025-0321315
Transaction Type	Transfer
Record Updated	Nov 26, 2025
Title Company	TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3915 SAN PABLO AVE, OCEANSIDE, CA 92057-7209

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3915 SAN PABLO AVE, OCEANSIDE, CA 92057-7209
Transaction Type	Mortgage
Record Updated	Sep 8, 2021
Title Company	E-PLACER TITLE, PLACER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3915 SAN PABLO AVE, OCEANSIDE, CA 92057-7209

Mortgage

Document Number	0000617118
Date	Aug 30, 2021
Instrument	2021-0617118

Lender

Name	PATELCO CU
Type	Credit Union
Address	DUBLIN, CA 94568

Agreement

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

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3915 SAN PABLO AVE, OCEANSIDE, CA 92057-7209
Transaction Type	Mortgage
Record Updated	Jul 6, 2021
Title Company	NATIONAL CLOSING SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3915 SAN PABLO AVE, OCEANSIDE, CA 92057-7209

Mortgage

Document Number	0000465195
Date	Jun 25, 2021
Instrument	2021-0465195

Lender

Name	PATELCO CU
Type	Credit Union
Address	DUBLIN, CA 94568

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Jul 30, 2046

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Change Frequency	Monthly
Min Rate At Change	4.72%
Max Rate At Change	3%

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 17, 2018
Property Address	3915 SAN PABLO AVE, OCEANSIDE, CA 92057-7209
Document Number	0000338935
Map Reference	MAP 10191
Instrument Date	Aug 14, 2018
Instrument	2018-0338935
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	CALIFORNIA TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6778 TERRENO DR, RANCHO MURIETA, CA 95683-9403

Mortgage

Document Number	0000338936
Date	Aug 17, 2018
Instrument	2018-0338936

Lender

Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 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		$271,084 (-37.69%) Land $177,018 Building $94,066
2025	$4,929.00 (+5.3%) Homeowner's exemption	$435,045 (+4.04%) Land $284,112 Building $150,933
2023	$4,681.00 (+1.65%) Homeowner's exemption	$418,154 Land $273,081 Building $145,073
2022	$4,605.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
Flood Insurance Cost	Premium on Record median of 12 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	12 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	Not rated no burnable land within 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 512 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
AT&T Fixed Wireless · Fiber, DSL in parts of the area	100 / 20

May also be available: GeoLinks.

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