5100 Spencer Ct, Oceanside, CA 92057 Property Records

San Diego County property record for 5100 Spencer Ct, Oceanside, CA 92057 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,069 sqft · built 2003
Lot Size	0.164 acres (7,165 sqft)
Owner	2 Company Names on File
Last Sale	$580,000 (Jun 2018)
Tax Bill	$8,277 (2025)
Deeds & Mortgages	Jun 2023 Second Mortgage Feb 2019 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`122-501-22-00`

Property Details

APN / Parcel Number

Primary APN	`122-501-22-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,069 sqft Living Area

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Lot Area	7,165 sqft (0.164 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	5100 SPENCER CT
City	OCEANSIDE
State	CA
Zip	92057-2655
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 128 TR 014389
Legal Subdivision	MORRO HILLS VILLAGE
Legal Tract	014389
Legal Block	1
Legal Lot Number	128
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1001
Census Tract	18617

Owner

Source: San Diego County records · APN 122-501-22-00

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	2 Company Names on File
Mailing Address	5100 SPENCER CT, OCEANSIDE, CA 92057-2655
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Jun 08, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC
Feb 22, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Sep 03, 2019	Deed of Trust, Mortgage · Conventional Mortgage INDEPENDENT FINANCIAL SERVICES GROUP INC
Apr 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage WESTSTAR MORTGAGE CORP
Nov 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage WESTSTAR MORTGAGE CORP
Jun 12, 2018	Grant Deed, Transfer WESTERN RESOURCES TITLE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 12, 2018 · Amount on Record
Deed Sale	Jun 12, 2018 · Amount on Record
Prior Sale	Jun 19, 2003 · Amount on Record
Deed Document Number	2018237943
Prior Transfer Date	Sep 28, 2005
Prior Transfer Doc	0000853414
Record Updated	Sep 20, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	5100 SPENCER CT, OCEANSIDE, CA 92057-2655
Transaction Type	Mortgage
Record Updated	Jun 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5100 SPENCER CT, OCEANSIDE, CA 92057-2655

Mortgage

Document Number	0000148796
Date	Jun 08, 2023
Instrument	2023-0148796

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	WAYNE, PA 19087

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jul 01, 2043

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	5100 SPENCER CT, OCEANSIDE, CA 92057-2655
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5100 SPENCER CT, OCEANSIDE, CA 92057-2655

Mortgage

Document Number	0000065070
Date	Feb 22, 2019
Instrument	2019-0065070

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2049

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	5100 SPENCER CT, OCEANSIDE, CA 92057-2655
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000376726
Date	Sep 03, 2019
Instrument	2019-0376726

Lender

Name	INDEPENDENT FINANCIAL SERVICES GROUP INC
Type	Mortgage Company
Address	LAKE FOREST, CA 92630

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 01, 2049

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	5100 SPENCER CT, OCEANSIDE, CA 92057-2655
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000192336
Date	Apr 16, 2020
Instrument	2020-0192336

Lender

Name	WESTSTAR MORTGAGE CORP
Type	Mortgage Company
Address	LAKE FOREST, CA 92630

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2050

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	5100 SPENCER CT, OCEANSIDE, CA 92057-2655
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000754908
Date	Nov 30, 2020
Instrument	2020-0754908

Lender

Name	WESTSTAR MORTGAGE CORP
Type	Mortgage Company
Address	LAKE FOREST, CA 92630

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2050

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 12, 2018
Property Address	5100 SPENCER CT, OCEANSIDE, CA 92057-2655
Document Number	0000237943
Instrument Date	Apr 30, 2018
Instrument	237943
Transaction Type	Transfer
Record Updated	Jun 19, 2018
Title Company	WESTERN RESOURCES TITLE

Transaction

Amount	Amount Recorded
Tax	$638.00
Amount Accuracy	Full Value
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5100 SPENCER CT OCEANSIDE CA 920572655, OCEANSIDE, CA 92057-2655

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		$673,131 (+2%) Land $324,615 Building $348,516
2025	$8,277.00 (+2.54%) Homeowner's exemption	$659,933 (+4.04%) Land $318,250 Building $341,683
2023	$8,072.00 (+1.38%) Homeowner's exemption	$634,309 Land $305,893 Building $328,416
2022	$7,962.00

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 060730186171, 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	Minimal
500-Year Floodplain	No
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	2 in force

Wildfire

Wildfire Risk	Moderate above 52% of the US · above 30% of California
Wildfire Likelihood	About 1 in 833 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 586 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cox Communications	Fiber	2,000 / 35
San Diego Broadband	Fixed Wireless (unlicensed)	500 / 100
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	DSL	100 / 20

May also be available at this address: Verizon, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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