645 Sumner Way, Unit 6, Oceanside, CA 92058 Property Records

San Diego County property record for 645 Sumner Way, Unit 6, Oceanside, CA 92058

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,141 sqft · built 2003
Lot Size	1.04 acres (45,414 sqft)
Owner	2 Individual Names on Record
Last Sale	$305,000 (Feb 2018)
Tax Bill	$3,923 (2025)
Deeds & Mortgages	Feb 2018 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`158-030-33-01`

Property Details

APN / Parcel Number

Primary APN	`158-030-33-01`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,141 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, 6
City	OCEANSIDE
State	CA
Zip	92058-0664
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RM-C
Legal Description	LOT 1 US 19PER 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, as of July 21, 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 Record
Mailing Address	3426 ROYAL RD, VISTA, CA 92084-6615
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 8, 2018 · Amount on Record
Deed Sale	Feb 8, 2018 · Amount on Record
Prior Sale	Jun 3, 2011 · Amount on Record
Deed Document Number	201852468
Record Updated	Sep 20, 2026

February 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 8, 2018
Property Address	645 SUMNER WAY UNIT 6, 6, OCEANSIDE, CA 92058-0664
Document Number	0000052468
Instrument Date	Jan 19, 2018
Instrument	52468
Transaction Type	Transfer
Record Updated	Feb 13, 2018
Title Company	EQUITY TITLE-SAN DIEGO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$335.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3426 ROYAL RD VISTA CA 920846615, VISTA, CA 92084-6615

Mortgage

Document Number	52469
Date	Feb 8, 2018
Instrument	52469

Lender

Name	CALIFORNIA CU
Type	Credit Union
Address	GLENDALE, CA 91203

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 7, 2048

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 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

Year	Tax Bill	Assessed Value
2026		$353,969 (+2%) Land $185,785 Building $168,184
2025	$3,923.00 (+5.17%)	$347,030 (+4.04%) Land $182,143 Building $164,887
2023	$3,730.00 (+1.52%)	$333,556 Land $175,071 Building $158,485
2022	$3,674.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 3, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 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

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

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 cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF OCEANSIDE serves 174,340 people · EPA ID CA3710014
Water Source	Purchased surface water from several systems
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 523 locations within half a mile, as of December 31, 2025

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.

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