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645 Sumner Way, Unit 5, Oceanside, CA 92058 Property Records

San Diego County property record for 645 Sumner Way, Unit 5, Oceanside, CA 92058 · Last verified July 2026

Property Summary

Property TypeCondominium
Details4 bd · 2.5 ba · 1,837 sqft · built 2003
Lot Size1.04 acres (45,414 sqft)
Owner2 Individual Names on File
Last Sale$485,000 (Sep 2020)
Tax Bill$5,911 (2025)
Deeds & MortgagesSep 2020 Sale & Mortgage
Mar 2019 Mortgage
Flood ZoneZone X (moderate risk)
APN158-030-33-02

Property Details

APN / Parcel Number

Primary APN158-030-33-02

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Building Area1,837 sqft Living Area

Exterior

Year BuiltBuilt 2003
Effective Year BuiltEffective 2003
Architectural StyleCondo/Apartment
Lot Area45,414 sqft
Parking Spaces2 Parking Spaces

Location & Zoning

Street Address645 SUMNER WAY, 5
CityOCEANSIDE
StateCA
Zip92058-0664
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Legal DescriptionLOT 1 US 20PER DOC03-671483&UND INT IN PHASE 2 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 Block2001
Census Tract18613

Owner

Source: San Diego County records · APN 158-030-33-02

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 Record2 Individual Names on File
Mailing Address2834 HILLSBORO CT, CARLSBAD, CA 92010-6556
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Sep 25, 2020Grant Deed, Transfer · Conventional Mortgage
HOME POINT FINANCIAL CORPORATION
Mar 21, 2019Intrafamily Transfer, Transfer · Conventional Mortgage
MISSION FCU

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleSep 25, 2020 · Amount on Record
Deed SaleSep 25, 2020 · Amount on Record
Prior SaleOct 23, 2009 · Amount on Record
Deed Document Number2020571826
Prior Transfer DateMar 12, 2019
Prior Transfer Doc0000102162
Record UpdatedSep 20, 2026

September 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSAN DIEGO CA
Recording DateSep 25, 2020
Property Address645 SUMNER WAY UNIT 5, 5, OCEANSIDE, CA 92058-0664
Document Number0000571826
Map ReferenceMAP 14554
Instrument DateAug 26, 2020
Instrument2020-0571826
Transaction TypeTransfer
Record UpdatedAug 24, 2021
Title CompanyCORINTHIAN TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address2834 HILLSBORO CT, CARLSBAD, CA 92010-6556

Mortgage

Document Number0000571827
DateSep 25, 2020
Instrument2020-0571827
Lender
NameHOME POINT FINANCIAL CORPORATION
TypeGovernment Agency
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2050

March 2019: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSAN DIEGO CA
Recording DateMar 21, 2019
Property Address645 SUMNER WAY UNIT 5, 5, OCEANSIDE, CA 92058-0664
Document Number0000102162
Map ReferenceMAP 14554
Instrument DateMar 12, 2019
Instrument2019-0102162
Transaction TypeTransfer
Record UpdatedAug 24, 2021
Title CompanyFIDELITY NATIONAL TITLE

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address645 SUMNER WAY UNIT 5, 5, OCEANSIDE, CA 92058-0664

Mortgage

Document Number0000102163
DateMar 21, 2019
Instrument2019-0102163
Lender
NameMISSION FCU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term241 Months
DueApr 01, 2039

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$535,472 (+2%) Land $179,817 Building $355,655
2025$5,911.00 (+5.16%)$524,974 (+4.04%) Land $176,292 Building $348,682
2023$5,621.00 (+1.54%)$504,592 Land $169,448 Building $335,144
2022$5,536.00

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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