3923 San Pablo Ave, Oceanside, CA 92057 Property Records

San Diego County property record for 3923 San Pablo Ave, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,435 sqft · built 1983
Lot Size	0.335 acres (14,593 sqft)
Owner	2 Individual Names on Record
Last Sale	$805,000 (Mar 2026)
Tax Bill	$4,931 (2025)
Deeds & Mortgages	Apr 2023 Construction Loan Dec 2025 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`160-522-27-00`

Property Details

APN / Parcel Number

Primary APN	`160-522-27-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,435 sqft Living Area

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Exterior Material	Stucco
Roof Material	Composition Shingle
Lot Area	14,593 sqft (0.335 acres)
Garage Type	Carport
Carport	Carport

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3923 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 53(EX RD) TR 010191
Legal Subdivision	RANCHO HERMOSA
Legal Tract	010191
Legal Block	1
Legal Lot Number	53
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 October 12, 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	3923 SAN PABLO AVE, OCEANSIDE, CA 92057-7209
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Apr 25, 2023	Deed of Trust, Mortgage · Construction Mortgage DISCOVER BANK
Dec 2, 2025	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Mar 11, 2026	Grant Deed, Transfer · VA Mortgage ORIGINPOINT LLC
Jan 12, 2018	Deed of Trust, Mortgage · VA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Oct 1, 2019	Deed of Trust, Mortgage · VA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Oct 28, 2020	Deed of Trust, Mortgage · VA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
May 26, 2017	Grant Deed, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 11, 2026 · Amount on Record
Deed Sale	Mar 11, 2026 · Amount on Record
Prior Sale	May 26, 2017 · Amount on Record
Deed Document Number	202667189
Prior Transfer Date	Jan 29, 2004
Prior Transfer Doc	0000075703
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3923 SAN PABLO AVE, OCEANSIDE, CA 92057-7209
Transaction Type	Mortgage
Record Updated	Mar 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3923 SAN PABLO AVE, OCEANSIDE, CA 92057-7209

Mortgage

Document Number	0000106698
Date	Apr 25, 2023
Instrument	2023-0106698

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 24, 2053

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3923 SAN PABLO AVE, OCEANSIDE, CA 92057-7209
Transaction Type	Mortgage
Record Updated	Mar 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3923 SAN PABLO AVE, OCEANSIDE, CA 92057-7209

Mortgage

Document Number	0000339679
Date	Dec 2, 2025
Instrument	2025-0339679

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Dec 1, 2065

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 11, 2026
Property Address	3923 SAN PABLO AVE, OCEANSIDE, CA 92057-7209
Document Number	0000067189
Map Reference	MAP 10191
Instrument Date	Feb 6, 2026
Instrument	2026-0067189
Transaction Type	Transfer
Record Updated	Mar 18, 2026
Title Company	WFG NATIONAL 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
Relationship	Community Property with Right of Survivorship
Address	3923 SAN PABLO AVE, OCEANSIDE, CA 92057-7209

Mortgage

Document Number	0000067190
Date	Mar 11, 2026
Instrument	2026-0067190

Lender

Name	ORIGINPOINT LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3923 SAN PABLO AVE, OCEANSIDE, CA 92057-7209
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE SAN DIE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013957
Date	Jan 12, 2018
Instrument	2018-0013957

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company
Address	ISELIN, NJ 08830

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2048

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3923 SAN PABLO AVE, OCEANSIDE, CA 92057-7209
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000436669
Date	Oct 1, 2019
Instrument	2019-0436669

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company
Address	ISELIN, NJ 08830

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2049

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3923 SAN PABLO AVE, OCEANSIDE, CA 92057-7209
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3923 SAN PABLO AVE, OCEANSIDE, CA 92057-7209

Mortgage

Document Number	0000666908
Date	Oct 28, 2020
Instrument	2020-0666908

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company
Address	ISELIN, NJ 08830

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 26, 2017
Property Address	3923 SAN PABLO AVE, OCEANSIDE, CA 92057-7209
Document Number	0000238139
Map Reference	MAP10191
Instrument Date	May 16, 2017
Instrument	2017-0238139
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	TICOR TITLE SAN DIEGO

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	3923 SAN PABLO AVE, OCEANSIDE, CA 92057-7209

Mortgage

Document Number	0000238140
Date	May 26, 2017
Instrument	2017-0238140

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

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		$443,912 (+2%) Land $280,367 Building $163,545
2025	$4,931.00 (+2.01%) Homeowner's exemption	$435,209 (+4.04%) Land $274,870 Building $160,339
2024	$4,834.00 (+3.22%)
2023	$4,683.00 (+1.65%) Homeowner's exemption	$418,312 Land $264,198 Building $154,114
2022	$4,607.00

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
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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