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638 Sumner Way, Unit 3, Oceanside, CA 92058 Property Records

San Diego County property record for 638 Sumner Way, Unit 3, Oceanside, CA 92058 · Last verified July 2026

Property Summary

Property TypeCondominium
Details3 bd · 2.5 ba · 1,471 sqft · built 2003
Lot Size1.86 acres (81,159 sqft)
OwnerIndividual Name on File
Last Sale$246,500 (Jun 2003)
Tax Bill$4,029 (2025)
Deeds & MortgagesMar 2023 Second Mortgage
May 2021 Mortgage
+ 1 more
Flood ZoneZone X (moderate risk)
APN158-030-32-21

Property Details

APN / Parcel Number

Primary APN158-030-32-21

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Building Area1,471 sqft Living Area

Exterior

Year BuiltBuilt 2003
Effective Year BuiltEffective 2003
Architectural StyleCondo/Apartment
Lot Area81,159 sqft
Parking Spaces1 Parking Space

Location & Zoning

Street Address638 SUMNER WAY, 3
CityOCEANSIDE
StateCA
Zip92058-0661
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Legal DescriptionLOT 1 US 39PER DOC03-635086&UND INT IN PHASE 1 IN TR 014554
Legal SubdivisionDOUGLAS DRIVE CONDO
Legal Tract014554
Legal Block2
Legal Lot Number1
JurisdictionSAN DIEGO CA
Township / Civil DivisionOCEANSIDE-ESCONDIDO
Census Block Group2
Census Block2000
Census Tract18613

Owner

Source: San Diego County records · APN 158-030-32-21

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 RecordIndividual Name on File
Mailing Address638 SUMNER WAY, 3, OCEANSIDE, CA 92058-0661
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 06, 2023Deed of Trust, Mortgage · Stand-Alone Second Mortgage
ROCKET MORTGAGE LLC
May 13, 2021Deed of Trust, Mortgage · VA Mortgage
QUICKEN LOANS LLC
Apr 01, 2020Deed of Trust, Mortgage · Conventional Mortgage
PNC BANK NA

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJun 24, 2003 · Amount on Record
Deed SaleJun 24, 2003 · Amount on Record
Deed Document Number2003745716
Record UpdatedSep 20, 2026

March 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address638 SUMNER WAY UNIT 3, 3, OCEANSIDE, CA 92058-0661
Transaction TypeMortgage
Record UpdatedMar 15, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address638 SUMNER WAY 3, 3, OCEANSIDE, CA 92058-0661

Mortgage

Document Number0000057008
DateMar 06, 2023
Instrument2023-0057008
Lender
NameROCKET MORTGAGE LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeStand-Alone Second Mortgage
AmountAmount Recorded
Term240 Months
DueMar 01, 2043

May 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address638 SUMNER WAY UNIT 3, 3, OCEANSIDE, CA 92058-0661
Transaction TypeMortgage
Record UpdatedMay 26, 2021
Title CompanyAMROCK INC, AMROCK

Transferred To (Grantee/Buyer)

NameVerified Name
Address638 SUMNER WAY, OCEANSIDE, CA 92058-0661

Mortgage

Document Number0000367084
DateMay 13, 2021
Instrument2021-0367084
Lender
NameQUICKEN LOANS LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueJun 01, 2051

April 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address638 SUMNER WAY UNIT 3, 3, OCEANSIDE, CA 92058-0661
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyNATIONALLINK

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000165387
DateApr 01, 2020
Instrument2020-0165387
Lender
NamePNC BANK NA
TypeBank
AddressMIAMISBURG, OH 45342
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueApr 01, 2050

Tax Assessment & Valuation

Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySan Diego County
MunicipalityOceanside City
Unified School DistrictOceanside Unified School District (KG - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed Value
2026$363,669 (+2%) Land $177,266 Building $186,403
2025$4,029.00 (+5.17%)$356,540 (+4.04%) Land $173,791 Building $182,749
2023$3,831.00 (+1.51%)$342,697 Land $167,044 Building $175,653
2022$3,774.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, San Diego County (06073C), updated September 3, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060730186132, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardModerate
500-Year FloodplainYes
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies59 units insured
54 under condo master policies
Nearby Flood Claims1 (1983)
Most Recent ClaimMay 1983, rainfall accumulation

Wildfire

Wildfire RiskLow
above 20% of the US · above 11% of California
Wildfire LikelihoodAbout 1 in 3,125 per year
ExposureIndirect
within 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 523 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Cox CommunicationsCable2,000 / 100
VerizonFixed Wireless300 / 20
AT&TDSL100 / 20

May also be available at this address: AT&T, T-Mobile USA, San Diego Broadband. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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