San Diego County property record for 638 Sumner Way, Unit 4, Oceanside, CA 92058
| Property Type | Condominium |
|---|---|
| Details | 3 bd · 2.5 ba · 1,471 sqft · built 2003 |
| Lot Size | 1.86 acres (81,159 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $665,000 (Apr 2026) |
| Tax Bill | $7,112 (2025) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage Sep 2023 Transfer + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 158-030-32-22 |
| Primary APN | 158-030-32-22 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,471 sqft Living Area |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Condo/Apartment |
| Lot Area | 81,159 sqft |
| Parking Spaces | 1 Parking Space |
| Street Address | 638 SUMNER WAY, 4 |
|---|---|
| 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 40PER 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 |
Source: San Diego County records · APN 158-030-32-22
Assessment roll updated July 28, 2026 · Last verified August 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 | 638 SUMNER WAY, 4, OCEANSIDE, CA 92058-0661 |
| Owner Type | Individual |
| Vesting | Community Property |
| Date | Document |
|---|---|
| Apr 01, 2026 | Grant Deed, Transfer · VA Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC |
| Sep 22, 2023 | Intrafamily Transfer, Transfer FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO |
| Sep 22, 2023 | Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 01, 2026 · Amount on Record |
| Deed Sale | Apr 01, 2026 · Amount on Record |
| Prior Sale | Sep 22, 2023 · Amount on Record |
| Deed Document Number | 202689701 |
| Prior Transfer Date | Sep 20, 2023 |
| Prior Transfer Doc | 0000258121 |
| Record Updated | Sep 20, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Apr 01, 2026 |
| Property Address | 638 SUMNER WAY, 4, OCEANSIDE, CA 92058-0661 |
| Document Number | 0000089701 |
| Instrument Date | Mar 10, 2026 |
| Instrument | 202689701 |
| Transaction Type | Transfer |
| Record Updated | Jul 02, 2026 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $73,881.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Address | 638 SUMNER WAY, 4, OCEANSIDE, CA 92058-0661 |
| Document Number | 0000089702, |
|---|---|
| Date | Apr 01, 2026 |
| Instrument | 202689702 |
| Name | ARK-LA-TEX FINANCIAL SERVICES LLC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2056 |
| Rate | 6.01% |
|---|---|
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Sep 22, 2023 |
| Property Address | 638 SUMNER WAY UNIT 4, 4, OCEANSIDE, CA 92058-0661 |
| Document Number | 0000258121 |
| Map Reference | MAP 14554 |
| Instrument Date | Sep 20, 2023 |
| Instrument | 2023-0258121 |
| Transaction Type | Transfer |
| Record Updated | Oct 03, 2023 |
| Title Company | FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 714 ADELAIDE CIR, ENCINITAS, CA 92024-2305 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Sep 22, 2023 |
| Property Address | 638 SUMNER WAY UNIT 4, 4, OCEANSIDE, CA 92058-0661 |
| Document Number | 0000258122 |
| Map Reference | MAP 14554 |
| Instrument Date | Sep 11, 2023 |
| Instrument | 2023-0258122 |
| Transaction Type | Transfer |
| Record Updated | Oct 03, 2023 |
| Title Company | FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 714 ADELAIDE CIR, ENCINITAS, CA 92024-2305 |
| Document Number | 0000258123 |
|---|---|
| Date | Sep 22, 2023 |
| Instrument | 2023-0258123 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2053 |
Source: San Diego County records · Assessment roll updated July 28, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Municipality | Oceanside City |
| Unified School District | Oceanside Unified School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $645,046 (+2%) Land $293,202 Building $351,844 | |
| 2025 | $7,112.00 (+1.93%) | $632,399 (+132.25%) Land $287,453 Building $344,946 |
| 2024 | $6,977.00 (+134.44%) | |
| 2023 | $2,976.00 (+1.6%) Homeowner's exemption | $272,291 Land $123,768 Building $148,523 |
| 2022 | $2,929.00 |
Source: FEMA National Flood Hazard Layer, San Diego County (06073C), as of September 3, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060730186132, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 |
| 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 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 as of December 31, 2025 · Last verified October 2026
| 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 USA.
Based on FCC filings for 523 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system CA3710014, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF OCEANSIDE serves 174,340 people |
|---|---|
| Water Source | Purchased surface water from several systems |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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