San Diego County property record for 3964 Cadena Dr, Oceanside, CA 92058 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,875 sqft · built 2001 |
| Lot Size | 0.138 acres (6,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $450,000 (Aug 2016) |
| Tax Bill | $5,888 (2025) |
| Deeds & Mortgages | Jun 2026 Line of Credit Jun 2021 Mortgage + 1 more |
| Flood Zone | Zone A99 (high risk) |
| APN | 158-672-44-00 |
| Primary APN | 158-672-44-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,875 sqft Living Area |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Lot Area | 6,000 sqft (0.138 acres) |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 3964 CADENA DR |
|---|---|
| City | OCEANSIDE |
| State | CA |
| Zip | 92058-7990 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 96 TR 013723 |
| Legal Subdivision | RIO VISTA |
| Legal Tract | 013723 |
| Legal Block | 2 |
| Legal Lot Number | 96 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | OCEANSIDE-ESCONDIDO |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 18622 |
Source: San Diego County records · APN 158-672-44-00
Assessment roll updated July 21, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 3964 CADENA DR, OCEANSIDE, CA 92058-7990 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jun 26, 2026 | Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION |
| Jun 09, 2021 | Deed of Trust, Mortgage · Conventional Mortgage MILLENNIAL HOME LENDING INC |
| Dec 13, 2018 | Deed of Trust, Mortgage · Line of Credit NAVY FCU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 15, 2016 · Amount on Record |
| Deed Sale | Aug 15, 2016 · Amount on Record |
| Prior Sale | Feb 05, 2010 · Amount on Record |
| Deed Document Number | 2016416999 |
| Prior Transfer Date | Jul 21, 2016 |
| Prior Transfer Doc | 0000416998 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Jun 26, 2026 |
| Property Address | 3964 CADENA DR, OCEANSIDE, CA 92058-7990 |
| Document Number | 0000183365 |
| Instrument Date | Jun 18, 2026 |
| Instrument | 2026183365 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 3964 CADENA DR, OCEANSIDE, CA 92058-7990 |
| Document Number | 0000183365, |
|---|---|
| Date | Jun 26, 2026 |
| Instrument | 2026183365 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 481 Months |
| Due | Jul 01, 2066 |
| Rate | 6.51% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 3964 CADENA DR, OCEANSIDE, CA 92058-7990 |
| Transaction Type | Mortgage |
| Record Updated | Jun 08, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 3964 CADENA DR, OCEANSIDE, CA 92058-7990 |
| Document Number | 0000425113 |
|---|---|
| Date | Jun 09, 2021 |
| Instrument | 2021-0425113 |
| Name | MILLENNIAL HOME LENDING INC |
|---|---|
| Type | Mortgage Company |
| Address | CHATSWORTH, CA 91311 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Apr 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 3964 CADENA DR, OCEANSIDE, CA 92058-7990 |
| Document Number | 0000533768 |
| Instrument Date | Dec 13, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 08, 2019 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Address | 3964 CADENA DR OCEANSIDE CA 920587990, OCEANSIDE, CA 92058-7990 |
| Document Number | 0000533768 |
|---|---|
| Date | Dec 31, 2018 |
| Instrument | 533768 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 492 Months |
| Due | Dec 30, 2059 |
| Rate Type | Adjustable Rate |
|---|
Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Municipality | Oceanside City |
| Unified School District | Oceanside Unified School District (KG - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $532,701 (+2%) Land $292,434 Building $240,267 | |
| 2025 | $5,888.00 (+5.18%) | $522,256 (+4.04%) Land $286,700 Building $235,556 |
| 2023 | $5,598.00 (+1.54%) | $501,978 Land $275,568 Building $226,410 |
| 2022 | $5,513.00 |
Source: FEMA National Flood Hazard Layer, San Diego County (06073C), updated September 3, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060730186222, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone A99 federal flood protection under construction |
|---|---|
| Special Flood Hazard Area | Yes |
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Flood Insurance Cost | Premium on Record median of 69 individual NFIP policies nearby |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 102 units insured 33 under condo master policies |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 645 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Cox Communications | Cable | 2,000 / 100 |
| AT&T | DSL | 100 / 20 |
May also be available at this address: Verizon, T-Mobile USA, AT&T, Generate-Ubiquity Holdings. Availability varies by address; speeds are provider-advertised maximums, not measured.
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