638 Sumner Way, Unit 1, Oceanside, CA 92058 Property Records

San Diego County property record for 638 Sumner Way, Unit 1, Oceanside, CA 92058

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,141 sqft · built 2003
Lot Size	1.86 acres (81,159 sqft)
Owner	2 Individual Names on Record
Last Sale	$558,000 (Oct 2026)
Tax Bill	$6,656 (2025)
Deeds & Mortgages	Oct 2026 Sale & Mortgage Mar 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`158-030-32-19`

Property Details

APN / Parcel Number

Primary APN	`158-030-32-19`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,141 sqft Living Area

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Condo/Apartment
Lot Area	81,159 sqft (1.86 acres)
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	638 SUMNER WAY, 1
City	OCEANSIDE
State	CA
Zip	92058-0661
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RM-C
Legal Description	LOT 1 US 37PER DOC03-635086&UND INT IN PHASE 1 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	2000
Census Tract	18613

Owner

Source: San Diego County records, as of October 22, 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	11766 CARMEL CREEK RD, 108, SAN DIEGO, CA 92130-6614
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2026	Grant Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE
Mar 13, 2024	Grant Deed, Transfer · Conventional Mortgage CALCON MUTUAL MORTGAGE LLC
Feb 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Mar 27, 2020	Grant Deed, Transfer · Conventional with PMI ONETRUST HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 13, 2026 · Amount on Record
Deed Sale	Oct 13, 2026 · Amount on Record
Prior Sale	Mar 13, 2024 · Amount on Record
Deed Document Number	2026296328
Prior Transfer Date	Oct 12, 2015
Prior Transfer Doc	0000616435
Record Updated	Oct 29, 2026

October 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 13, 2026
Property Address	638 SUMNER WAY, 1, OCEANSIDE, CA 92058-0661
Document Number	0000296328
Instrument Date	Oct 5, 2026
Instrument	2026296328
Transaction Type	Transfer
Record Updated	Oct 21, 2026
Title Company	WFG NATIONAL TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$61,993.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property

Mortgage

Document Number	0000296329,
Date	Oct 13, 2026
Instrument	2026296329

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2056

Interest

Max Rate	-1%

March 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 13, 2024
Property Address	638 SUMNER WAY UNIT 1, 1, OCEANSIDE, CA 92058-0661
Document Number	0000063227
Map Reference	MAP 14554
Instrument Date	Feb 15, 2024
Instrument	2024-0063227
Transaction Type	Transfer
Record Updated	Mar 22, 2024
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL 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
Relationship	Joint Tenants
Address	2122 RALSTON AVE, BELMONT, CA 94002-1656

Mortgage

Document Number	0000063228
Date	Mar 13, 2024
Instrument	2024-0063228

Lender

Name	CALCON MUTUAL MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	638 SUMNER WAY UNIT 1, 1, OCEANSIDE, CA 92058-0661
Transaction Type	Mortgage
Record Updated	Mar 3, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	638 SUMNER WAY 1, 1, OCEANSIDE, CA 92058-0661

Mortgage

Document Number	0000130596
Date	Feb 19, 2021
Instrument	2021-0130596

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

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

March 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 27, 2020
Property Address	638 SUMNER WAY UNIT 1, 1, OCEANSIDE, CA 92058-0661
Document Number	0000160086
Instrument Date	Feb 28, 2020
Instrument	160086
Transaction Type	Transfer
Record Updated	Apr 14, 2020
Title Company	WFG TITLE COMPANY/CA-SAN DIEGO, WFG TITLE CO/CA-SAN DIEGO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$415.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	638 SUMNER WAY #1 OCEANSIDE CA 920580661, 1, OCEANSIDE, CA 92058-0661

Mortgage

Document Number	160087
Date	Mar 27, 2020
Instrument	160087

Lender

Name	ONETRUST HM LOANS
Type	Funding / Finance Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 26, 2050

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		$603,430 (+2%) Land $338,885 Building $264,545
2025	$6,656.00 (+53.15%)	$591,599 (+49.28%) Land $332,241 Building $259,358
2023	$4,346.00 (+1.57%) Homeowner's exemption	$396,291 Land $222,556 Building $173,735
2022	$4,279.00

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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