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Welcome to 3631 Via Bernardo, a bright and beautifully upgraded home in the highly desirable Terra Mar community of Oceanside. This 4 bedroom, 3.5 bathroom property offers modern farmhouse style with white shaker cabinets, quartz countertops, luxury vinyl plank flooring, brand new carpet, and abundant natural light from the updated dual pane windows and wide patio doors. The open concept kitchen shines with its white cabinetry, sleek quartz counters, stainless steel appliances, and a charming sink window overlooking the private backyard. It opens seamlessly to a cozy living room with a built-in bar area, creating an inviting space for both gatherings and everyday living. Step outside to a low maintenance retreat featuring pavers, turf, a pergola, a modern fire pit, and mature landscaping. The yard backs to a lush green embankment, enhancing privacy and offering a serene backdrop. One of the larger yards in the neighborhood. Upstairs, you’ll find all four bedrooms plus a spacious loft perfect for a home office, media room, playroom, or potential fifth bedroom. The primary suite includes a sitting nook, a private deck, a walk-in closet with built-ins, and an airy layout filled with soft natural light. The upstairs laundry room adds convenient function to the floorplan. Additional upgrades include fully remodeled bathrooms, energy-efficient windows, upgraded aluminum patio doors, and a brand new A/C system for year-round comfort. Residents of Terra Mar enjoy low HOA amenities including playgrounds, greenbelts, a sparkling pool, spa, and clubhouse. With close proximity to Calavera Hills hiking trails, top-rated Madison and Lake Schools, shopping, dining, and quick access to the 78, this home delivers style, space, and an incredible North County lifestyle.
Listing agent: Christy Lundy DRE #01961048 Christy@SanDiegoHomeLife.com, Listing office: Real Broker
MLS data updated 10/20/2026, 1:14:06 AM PT
Source: CRMLS, MLS #: NDP2510963
Belmont insights
Compare recorded home prices, same-type ZIP sales and mortgage rates.
Dec 18, 2025
Prices use the left axis; mortgage rates use the right. Hover, tap, or focus the chart and use the arrow keys. Red SOLD badges mark recorded sales.
This home · nearest recorded event
$1,179,000Closed sale · Dec 18, 2025ZIP 92056 · Dec 2025
No monthly averageAt least 3 eligible sales in this month are required.30-year fixed mortgage benchmark
No weekly rateNo published rate within 7 days of this date.ZIP averages use publicly displayable closed sales from our licensed MLS feed, matched to the same ZIP and exact property type. Months with fewer than 3 sales are omitted; the current month is incomplete. Lines connect available monthly observations across gaps and do not represent measured prices in missing months. These averages are not adjusted for size, condition, or location within the ZIP, and are not an appraisal. Feed coverage may not include every sale. All available shows the available home and ZIP history, with mortgage rates over the same dates.
Mortgage benchmark: Freddie Mac Primary Mortgage Market Survey®. © Freddie Mac. Weekly national 30-year fixed rates, not APRs or a loan quote. Actual terms vary. Methodology changed in November 2022. The chart does not establish that interest-rate changes caused a home’s price changes.
Lines connect recorded asking and sale prices. They are visual guides, not estimates of the home’s value between those dates.
No earlier records were returned by our current sources. This does not mean the home has never sold.
MLS records may be incomplete. Earlier asking prices are not sale prices.