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

San Diego County property record for 645 Sumner Way, Unit 2, Oceanside, CA 92058 · Last verified July 2026

Property Highlights

Property Type	Residential > Condominium / Townhouse > Condominium
Bedrooms	4 Beds
Bathrooms	2.5 Baths
Year Built	Built 2003
Square Footage	1,837 sqft Living Area
Lot Size	1.04 acres
Occupancy	Owner Occupied
Last Sale	$288,500 (2003)
Tax Bill	$4,548.00 (2025)

Owner

Source: San Diego County records · APN 158-030-33-05

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	2 Individual Names on File
Mailing Address	645 SUMNER WAY, 2, OCEANSIDE, CA 92058-0664
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 25, 2003 · Amount on Record
Deed Sale	Jul 25, 2003 · Amount on Record
Deed Doc Number	2003887448
Record Refreshed	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	645 SUMNER WAY UNIT 2, 2, OCEANSIDE, CA 92058-0664
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	NAVY FEDERAL TITLE/CALIFORNIA, NAVY FEDERAL TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 SUMNER WAY, OCEANSIDE, CA 92058-0664

Mortgage

Document Number	0000622655
Date	Sep 01, 2021
Instrument	2021-0622655

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Veterans Administration Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 01, 2036

Tax Assessment & Valuation

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

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

Year	Tax Bill	Assessed Value
2026		$418,173 (+2%) Land $188,524 Building $229,649
2025	$4,548.00 (+5.23%) Homeowner's exemption	$409,975 (+4.04%) Land $184,828 Building $225,147
2023	$4,322.00 (+1.57%) Homeowner's exemption	$394,056 Land $177,651 Building $216,405
2022	$4,255.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, San Diego County (06073C), updated September 3, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Moderate
500-Year Floodplain	Yes
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 11% of California
Wildfire Likelihood	About 1 in 3,125 per year
Exposure	Indirect within ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Property Details

APN / Parcel Number

Primary APN	`158-030-33-05`

Interior

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

Exterior

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

Location & Zoning

Street Address	645 SUMNER WAY, 2
City	OCEANSIDE
State	CA
Zip	92058-0664
Property Usage	Residential Property Usage
Type	Residential > Condominium / Townhouse > Condominium
Legal Description	LOT 1 US 23PER 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
Minor Civil Division	OCEANSIDE-ESCONDIDO
Census Blockgroup	2
Census Block	2001
Census Tract	18613