3931 San Pablo Ave, Oceanside, CA 92057 Property Records

San Diego County property record for 3931 San Pablo Ave, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 977 sqft · built 1983
Lot Size	0.142 acres (6,174 sqft)
Owner	Individual Name on Record
Last Sale	$340,000 (Jun 2017)
Tax Bill	$4,477 (2025)
Deeds & Mortgages	Sep 2022 Reverse Mortgage Jan 2019 Second Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`160-522-25-00`

Property Details

APN / Parcel Number

Primary APN	`160-522-25-00`

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	6,174 sqft (0.142 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	3931 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 51(EX RD) TR 010191
Legal Subdivision	RANCHO HERMOSA
Legal Tract	010191
Legal Block	1
Legal Lot Number	51
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	3931 SAN PABLO AVE, OCEANSIDE, CA 92057-7209
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 13, 2022	Deed of Trust, Mortgage · Reverse Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Jan 7, 2019	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SCHOOLSFIRST FCU
Aug 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 17, 2017	Affidavit of Death, Transfer TITLE 365
Jun 28, 2017	Grant Deed, Transfer · Conventional Mortgage HOMESTREET BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 28, 2017 · Amount on Record
Deed Sale	Jun 28, 2017 · Amount on Record
Prior Sale	Jul 30, 1997 · Amount on Record
Deed Document Number	2017293651
Prior Transfer Date	Sep 4, 1996
Prior Transfer Doc	0000476492
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3931 SAN PABLO AVE, OCEANSIDE, CA 92057-7209
Transaction Type	Mortgage
Record Updated	Sep 21, 2022
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3931 SAN PABLO AVE, OCEANSIDE, CA 92057-7209

Mortgage

Document Number	0000362952
Date	Sep 13, 2022
Instrument	2022-0362952

Lender

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

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.85%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2022
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	10.8%

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3931 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	3931 SAN PABLO AVE, OCEANSIDE, CA 92057-7209

Mortgage

Document Number	0000004601
Date	Jan 7, 2019
Instrument	2019-0004601

Lender

Name	SCHOOLSFIRST FCU
Type	Credit Union
Address	TUSTIN, CA 92780

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jan 7, 2029

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3931 SAN PABLO AVE, OCEANSIDE, CA 92057-7209
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE GUARANTY COMPA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000459056
Date	Aug 17, 2020
Instrument	2020-0459056

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Apr 1, 2050

July 2017: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 17, 2017
Property Address	3931 SAN PABLO AVE, OCEANSIDE, CA 92057-7209
Document Number	0000321026
Instrument Date	Jul 5, 2017
Instrument	321026
Transaction Type	Transfer
Record Updated	Jul 24, 2017
Title Company	TITLE 365

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1255 TEMPLE HEIGHTS DR OCEANSIDE CA 920562231, OCEANSIDE, CA 92056-2231

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 28, 2017
Property Address	3931 SAN PABLO AVE, OCEANSIDE, CA 92057-7209
Document Number	0000293651
Map Reference	MAP10191
Instrument Date	Jun 2, 2017
Instrument	2017-0293651
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	TITLE 365

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	3931 SAN PABLO AVE, OCEANSIDE, CA 92057-7209

Mortgage

Document Number	0000293652
Date	Jun 28, 2017
Instrument	2017-0293652

Lender

Name	HOMESTREET BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 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		$402,484 (+2%) Land $295,947 Building $106,537
2025	$4,477.00 (+5.29%) Homeowner's exemption	$394,594 (+4.04%) Land $290,145 Building $104,449
2023	$4,252.00 (+1.67%) Homeowner's exemption	$379,273 Land $278,879 Building $100,394
2022	$4,182.00

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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