San Diego County property record for 638 Sumner Way, Unit 6, Oceanside, CA 92058
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2 ba · 1,141 sqft · built 2004 |
| Lot Size | 1.86 acres (81,159 sqft) |
| Owner | Individual Name on File |
| Last Sale | $555,000 (Jun 2023) |
| Tax Bill | $6,497 (2025) |
| Deeds & Mortgages | Jun 2023 Sale & Mortgage Jan 2023 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 158-030-32-24 |
| Primary APN | 158-030-32-24 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,141 sqft Living Area |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Condo/Apartment |
| Lot Area | 81,159 sqft |
| Parking Spaces | 1 Parking Space |
| Street Address | 638 SUMNER WAY, 6 |
|---|---|
| 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 42PER 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 158-030-32-24
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 | Individual Name on File |
|---|---|
| Mailing Address | 638 SUMNER WAY, 6, OCEANSIDE, CA 92058-0661 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 15, 2023 | Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jan 10, 2023 | Grant Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP |
| Aug 15, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage SAN DIEGO COUNTY CU |
| Jan 08, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LOANLEADERS OF AMERICA INC |
| Apr 05, 2021 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 15, 2023 · Amount on Record |
| Deed Sale | Jun 15, 2023 · Amount on Record |
| Prior Sale | Jan 10, 2023 · Amount on Record |
| Deed Document Number | 2023156809 |
| Record Updated | Sep 20, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Jun 15, 2023 |
| Property Address | 638 SUMNER WAY UNIT 6, 6, OCEANSIDE, CA 92058-0661 |
| Document Number | 0000156809 |
| Map Reference | MAP 14554 |
| Instrument Date | May 16, 2023 |
| Instrument | 2023-0156809 |
| Transaction Type | Transfer |
| Record Updated | Jun 26, 2023 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY |
| 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 | 638 SUMNER WAY UNIT 6, 6, OCEANSIDE, CA 92058-0661 |
| Document Number | 0000156810 |
|---|---|
| Date | Jun 15, 2023 |
| Instrument | 2023-0156810 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2053 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Jan 10, 2023 |
| Property Address | 638 SUMNER WAY UNIT 6, 6, OCEANSIDE, CA 92058-0661 |
| Document Number | 0000006581 |
| Map Reference | MAP 14554 |
| Instrument Date | Jan 05, 2023 |
| Instrument | 2023-0006581 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 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 |
|---|---|
| Relationship | Joint Tenants |
| Address | 638 SUMNER WAY UNIT 6, 6, OCEANSIDE, CA 92058-0661 |
| Document Number | 0000006582 |
|---|---|
| Date | Jan 10, 2023 |
| Instrument | 2023-0006582 |
| Name | AMERICAN PACIFIC MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 638 SUMNER WAY UNIT 6, 6, OCEANSIDE, CA 92058-0661 |
| Transaction Type | Mortgage |
| Record Updated | Aug 30, 2022 |
| Title Company | ACCOMMODATION |
| Name | Verified Name |
|---|---|
| Address | 638 SUMNER WAY 6, 6, OCEANSIDE, CA 92058-0661 |
| Document Number | 0000329181 |
|---|---|
| Date | Aug 15, 2022 |
| Instrument | 2022-0329181 |
| Name | SAN DIEGO COUNTY CU |
|---|---|
| Type | Credit Union |
| Address | SAN DIEGO, CA 92196 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Sep 01, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 638 SUMNER WAY UNIT 6, 6, OCEANSIDE, CA 92058-0661 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2022 |
| Name | Verified Name |
|---|---|
| Address | 638 SUMNER WAY 6, 6, OCEANSIDE, CA 92058-0661 |
| Document Number | 0000013511 |
|---|---|
| Date | Jan 08, 2021 |
| Instrument | 2021-0013511 |
| Name | LOANLEADERS OF AMERICA INC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92614 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 638 SUMNER WAY UNIT 6, 6, OCEANSIDE, CA 92058-0661 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 638 SUMNER WAY 6, 6, OCEANSIDE, CA 92058-0661 |
| Document Number | 0000262389 |
|---|---|
| Date | Apr 05, 2021 |
| Instrument | 2021-0262389 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28277 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 04, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $588,969 (+2%) Land $376,728 Building $212,241 | |
| 2025 | $6,497.00 (+79.43%) | $577,422 (+74.6%) Land $369,342 Building $208,080 |
| 2023 | $3,621.00 (+1.57%) Homeowner's exemption | $330,703 (+2%) Land $170,818 Building $159,885 |
| 2022 | $3,565.00 Homeowner's exemption | $324,219 Land $167,469 Building $156,750 |
Source: FEMA National Flood Hazard Layer as of September 3, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · 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 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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