3638 Via Bernardo, Oceanside, CA, 92056
About This Home
Welcome to this beautiful 5 bedroom home (all located upstairs) located in the highly desirable communities of Ocean Hills and Terra Mar. Step inside to soaring ceilings and abundant natural light that fill the spacious living areas, while a skylight brightens the upstairs hallway and enhances the home’s open and airy feel. Freshly repainted interiors create a warm and inviting atmosphere throughout. The family room features a cozy fireplace and a wet bar, offering the perfect setting for relaxing or entertaining. Elegant French doors open to a private, fenced, low-maintenance backyard with fresh new grass, creating an ideal outdoor retreat. The backyard features fruit trees, a charming herb garden, and a side-yard succulent and flower garden that add beauty and character to the outdoor space. Enjoy the fragrance and charm of blooming roses lining the front entryway. All five bedrooms are located upstairs, providing flexibility for guest rooms, a home office, workout space, or playroom. The spacious primary suite opens to a generous private balcony, perfect for enjoying your morning coffee or unwinding with a glass of wine in the evening. The suite also includes a walk-in closet and an additional nook ideal for a vanity or desk area. A dedicated upstairs laundry room includes the washer and dryer for added convenience. Additional highlights include central A/C, a 2-car attached garage with 240V outlet for EV charger and Carbon water softener, and leased solar for energy efficiency. Ideally located just off Cannon Road with convenient access to schools, shopping, dining, parks, beaches and hiking trails. Residents of Terra Mar enjoy outstanding community amenities including community dog park with ample space, playgrounds, clubhouse, pool, spa, and barbecue areas. This exceptional home offers the perfect blend of comfort, functionality, and coastal lifestyle living.
Getting Around
Car-Dependent
Some Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1990
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Disposal,Gas Oven,Gas Range,Microwave,Refrigerator,Water Softener,Dryer,Washer
- Laundry features: Laundry Room
Bedroom
- Features: All Bedrooms Up
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
- Main level bathrooms: 1
Cooling
- Cooling features: Central Air
Features
- All Bedrooms Up,Primary Suite
- Fireplace features: Family Room
- Fireplace: Yes
- Common walls with other units/homes: No Common Walls
Interior Area
- Total interior livable area: 2,585 sqft
Master Bedroom
- Features: Primary Suite
Property
Details
- Parcel number: 1694741000
- Zoning: R1
- Special condition: Standard
Features
- Levels: Two
- Stories: 2
- Entry location: 1
- Pool features: Community,Association
- Has view: Yes
- View description: None
Lot
- Lot size: 4,725 sqft
- Features: 0-1 Unit/Acre
Parking
- Total spaces: 4
- Parking features: Garage - Attached
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
- Uncovered spaces: 2
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Earthquake
- Heat Wave
- Inland Flooding
- Wildfire
How This Home’s Risks Compare
FEMA Declared Disasters in San Diego County and California
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $5,557 | $66,684 |
| Home Insurance * | $196 | $2,352 |
| Property Taxes | $1,036 | $12,432 |
| Electricity | $554 | $6,651 |
| Total | $7,343 | $88,116 |
Income You'd Need if You Spent...
California FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-12 | Pending sale | $1,099,000 |
| 2026-08-12 | Listing removed | $1,099,000 |
| 2026-08-07 | Pending sale | $1,099,000 |
| 2026-07-21 | Price change | $1,099,000 |
| 2026-06-07 | Price change | $1,125,000 |
| 2026-05-21 | Listed for sale | $1,145,000 |
| 2021-01-08 | Sold | $763,000 |
| 2020-12-16 | Pending sale | $779,900 |
| 2020-12-11 | Listed for sale | $779,900 |
| 2020-12-11 | Pending sale | $779,900 |
| 2020-11-10 | Price change | $779,900 |
| 2020-10-21 | Listed for sale | $789,900 |
| 2018-04-12 | Sold | $695,000 |
| 2018-03-12 | Listed for sale | $689,900 |
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