637 Sumner Way, Unit 2, Oceanside, CA 92058 Property Records

San Diego County property record for 637 Sumner Way, Unit 2, Oceanside, CA 92058

Property Summary

Property Type	Condominium
Details	4 bd · 2.5 ba · 1,837 sqft · built 2003
Lot Size	1.04 acres (45,414 sqft)
Owner	2 Individuals on Record
Last Sale	$365,000 (Jan 2016)
Tax Bill	$4,873 (2025)
Deeds & Mortgages	Jan 2022 Line of Credit Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`158-030-33-17`

Property Details

APN / Parcel Number

Primary APN	`158-030-33-17`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,837 sqft Living Area

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Condo/Apartment
Lot Area	45,414 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	637 SUMNER WAY, 2
City	OCEANSIDE
State	CA
Zip	92058-0659
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RM-C
Legal Description	LOT 1 US 47PER DOC03-671483&UND INT IN PHASE 2 IN TR 014554
Legal Subdivision	DOUGLAS DRIVE CONDO
Legal Tract	014554
Legal Block	2
Legal Lot Number	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2001
Census Tract	18613

Owner

Source: San Diego County assessment roll, as of July 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individuals on Record
Mailing Address	637 SUMNER WAY, 2, OCEANSIDE, CA 92058-0659
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 19, 2022	Deed of Trust, Mortgage · Line of Credit MISSION FCU
Sep 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage MISSION FCU
Apr 27, 2018	Deed of Trust, Mortgage · Line of Credit MISSION FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 6, 2016 · Amount on Record
Deed Sale	Jan 6, 2016 · Amount on Record
Prior Sale	Sep 5, 2014 · Amount on Record
Deed Document Number	20165216
Prior Transfer Date	Apr 23, 2011
Prior Transfer Doc	0000281984
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	637 SUMNER WAY UNIT 2, 2, OCEANSIDE, CA 92058-0659
Transaction Type	Mortgage
Record Updated	Jan 27, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	637 SUMNER WAY 2, 2, OCEANSIDE, CA 92058-0659

Mortgage

Document Number	0000026065
Date	Jan 19, 2022
Instrument	2022-0026065

Lender

Name	MISSION FCU
Type	Credit Union
Address	SAN DIEGO, CA 92191

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Jan 31, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	637 SUMNER WAY UNIT 2, 2, OCEANSIDE, CA 92058-0659
Transaction Type	Mortgage
Record Updated	Sep 27, 2021
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	637 SUMNER WAY 2, 2, OCEANSIDE, CA 92058-0659

Mortgage

Document Number	0000657698
Date	Sep 16, 2021
Instrument	2021-0657698

Lender

Name	MISSION FCU
Type	Credit Union
Address	SAN DIEGO, CA 92191

Agreement

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

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	637 SUMNER WAY UNIT 2, 2, OCEANSIDE, CA 92058-0659
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000167550
Date	Apr 27, 2018
Instrument	2018-0167550

Lender

Name	MISSION FCU
Type	Credit Union
Address	SAN DIEGO, CA 92191

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Apr 30, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 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		$440,717 (+2%) Land $251,840 Building $188,877
2025	$4,873.00 (+5.16%)	$432,076 (+4.04%) Land $246,902 Building $185,174
2023	$4,634.00 (+1.53%)	$415,300 Land $237,315 Building $177,985
2022	$4,564.00

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	59 units insured incl. 54 condo units
Nearby Flood Claims	1 (1983)
Most Recent Claim	May 1983 · rainfall accumulation

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	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect 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 523 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
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: San Diego Broadband, T-Mobile.

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