3939 San Ramon Dr, Oceanside, CA 92057 Property Records

San Diego County property record for 3939 San Ramon Dr, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 820 sqft · built 1982
Lot Size	0.15 acres (6,550 sqft)
Owner	Individual Name on File
Last Sale	$359,000 (Nov 2019)
Tax Bill	$4,565 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Nov 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`160-521-01-00`

Property Details

APN / Parcel Number

Primary APN	`160-521-01-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	820 sqft Living Area

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Lot Area	6,550 sqft (0.15 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	3939 SAN RAMON DR
City	OCEANSIDE
State	CA
Zip	92057-7241
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-A
Legal Description	LOT 1 TR 010191
Legal Subdivision	RANCHO HERMOSA
Legal Tract	010191
Legal Block	1
Legal Lot Number	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1002
Census Tract	18512

Owner

3939 San Ramon Dr is owned and occupied by an individual who bought it in November 2019.

Source: San Diego County records, as of July 28, 2026

Owner of Record	Individual Name on File
Mailing Address	3939 SAN RAMON DR, OCEANSIDE, CA 92057-7241
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage FRONTWAVE CU
Nov 22, 2019	Grant Deed, Transfer · Conventional Mortgage PLAZA HOME MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 22, 2019 · Amount on File
Deed Sale	Nov 22, 2019 · Amount on File
Prior Sale	Aug 30, 1996 · Amount on File
Deed Document Number	2019546051
Prior Transfer Date	Jan 18, 1996
Prior Transfer Doc	0000161706
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3939 SAN RAMON DR, OCEANSIDE, CA 92057-7241
Document Number	0000709892
Instrument Date	Nov 7, 2020
Transaction Type	Mortgage
Record Updated	Nov 20, 2020
Title Company	STEWART TITLE, STEWART TITLE/CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4300 OCEANSIDE BLVD OCEANSIDE CA 920562960, OCEANSIDE, CA 92056-2960

Mortgage

Document Number	0000709892
Date	Nov 12, 2020
Instrument	709892

Lender

Name	FRONTWAVE CU
Address	OCEANSIDE, CA 92056

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 11, 2050

November 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 22, 2019
Property Address	3939 SAN RAMON DR, OCEANSIDE, CA 92057-7241
Document Number	0000546051
Map Reference	MAP 10191
Instrument Date	Nov 20, 2019
Instrument	2019-0546051
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
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	3939 SAN RAMON DR, OCEANSIDE, CA 92057-7241

Mortgage

Document Number	0000546052
Date	Nov 22, 2019
Instrument	2019-0546052

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3939 San Ramon Dr was $4,565.

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		$400,465 (+2%) Land $278,876 Building $121,589
2025	$4,565.00	$392,613 Land $273,408 Building $119,205
2023	$4,337.00 (+1.66%)	$377,370 Land $262,793 Building $114,577
2022	$4,266.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 3939 San Ramon Dr in Zone X, an area of minimal flood risk.

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 File 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

Wildfire risk around 3939 San Ramon Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 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 231 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: FiberFirst, GeoLinks.

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