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

San Diego County property record for 645 Sumner Way, Unit 3, Oceanside, CA 92058 · Last verified July 2026

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 1,471 sqft · built 2003
Lot Size	1.04 acres (45,414 sqft)
Owner	Individual Name on File
Last Sale	$630,000 (Aug 2025)
Tax Bill	$6,998 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage May 2022 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`158-030-33-04`

Property Details

APN / Parcel Number

Primary APN	`158-030-33-04`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,471 sqft Living Area

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Condo/Apartment
Lot Area	45,414 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	645 SUMNER WAY, 3
City	OCEANSIDE
State	CA
Zip	92058-0664
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	LOT 1 US 22PER 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
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2001
Census Tract	18613

Owner

Source: San Diego County records · APN 158-030-33-04

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	645 SUMNER WAY, 3, OCEANSIDE, CA 92058-0664
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Sep 26, 2023	Grant Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
May 18, 2022	Deed of Trust, Mortgage · VA Mortgage PATRIOT PACIFIC FINANCIAL CORP
Feb 05, 2021	Grant Deed, Transfer · VA Mortgage FINANCE OF AMERICA MORTGAGE LLC
Dec 21, 2019	Deed of Trust, Mortgage · Line of Credit NAVY FCU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 21, 2025 · Amount on Record
Deed Sale	Aug 21, 2025 · Amount on Record
Prior Sale	Sep 26, 2023 · Amount on Record
Deed Document Number	2025231567
Prior Transfer Date	Jun 15, 2015
Prior Transfer Doc	0000342835
Record Updated	Sep 20, 2026

September 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 26, 2023
Property Address	645 SUMNER WAY UNIT 3, 3, OCEANSIDE, CA 92058-0664
Document Number	0000261119
Map Reference	MAP 14554
Instrument Date	Sep 14, 2023
Instrument	2023-0261119
Transaction Type	Transfer
Record Updated	Oct 05, 2023
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	645 SUMNER WAY UNIT 3, 3, OCEANSIDE, CA 92058-0664

Mortgage

Document Number	0000261120
Date	Sep 26, 2023
Instrument	2023-0261120

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2053

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	645 SUMNER WAY UNIT 3, 3, OCEANSIDE, CA 92058-0664
Transaction Type	Mortgage
Record Updated	May 26, 2022
Title Company	STEWART TITLE, STEWART TITLE OF CALIFORNIA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 SUMNER WAY 3, 3, OCEANSIDE, CA 92058-0664

Mortgage

Document Number	0000214258
Date	May 18, 2022
Instrument	2022-0214258

Lender

Name	PATRIOT PACIFIC FINANCIAL CORP
Type	Non-Lending Institution
Address	MURRIETA, CA 92563

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2052

February 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 05, 2021
Property Address	645 SUMNER WAY UNIT 3, 3, OCEANSIDE, CA 92058-0664
Document Number	0000092797
Map Reference	DOC 2003-0671483
Instrument Date	Dec 29, 2020
Instrument	2021-0092797
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	CALIFORNIA TITLE COMPANY

Transaction

Amount	Amount Recorded
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	645 SUMNER WAY UNIT 3, 3, OCEANSIDE, CA 92058-0664

Mortgage

Document Number	0000092798
Date	Feb 05, 2021
Instrument	2021-0092798

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2051

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	645 SUMNER WAY UNIT 3, 3, OCEANSIDE, CA 92058-0664
Document Number	0000082349
Instrument Date	Dec 21, 2019
Transaction Type	Mortgage
Record Updated	Feb 28, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	256 BREAKWATER DR SNEADS FERRY NC 284601400, SNEADS FERRY, NC 28460-1400

Mortgage

Document Number	0000082349
Date	Feb 19, 2020
Instrument	82349

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Feb 18, 2060

Interest

Rate Type	Adjustable Rate

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		$630,000 (+1.25%) Land $500,000 Building $130,000
2025	$6,998.00 (+33.52%)	$622,199 (+32.31%) Land $293,597 Building $328,602
2023	$5,241.00 (+1.53%)	$470,259 Land $221,901 Building $248,358
2022	$5,162.00

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 Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Moderate
500-Year Floodplain	Yes
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	59 units insured 54 under condo master policies
Nearby Flood Claims	1 (1983)
Most Recent Claim	May 1983, rainfall accumulation

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; 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

Provider	Technology	Download / Upload (Mbps)
Cox Communications	Cable	2,000 / 100
Verizon	Fixed Wireless	300 / 20
AT&T	DSL	100 / 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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