San Diego County property record for 5108 Spencer Ct, Oceanside, CA 92057 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2003 |
| Square Footage | 2,832 sqft Living Area |
| Lot Size | 6,322 sqft (0.145 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $1,180,000 (2024) |
| Tax Bill | $14,720.00 (2025) |
| Primary APN | 122-501-20-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,832 sqft Living Area |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Lot Area | 6,322 sqft (0.145 acres) |
| Parking Spaces | 3 Parking Spaces |
| Street Address | 5108 SPENCER CT |
|---|---|
| City | OCEANSIDE |
| State | CA |
| Zip | 92057-2655 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 126 TR 014389 |
| Legal Subdivision | MORRO HILLS VILLAGE |
| Legal Tract | 014389 |
| Legal Block | 1 |
| Legal Lot Number | 126 |
| Jurisdiction | SAN DIEGO CA |
| Minor Civil Division | OCEANSIDE-ESCONDIDO |
| Census Blockgroup | 1 |
| Census Block | 1001 |
| Census Tract | 18617 |
Source: San Diego County records · APN 122-501-20-00
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 Individual Names on File |
|---|---|
| Mailing Address | 5108 SPENCER CT, OCEANSIDE, CA 92057-2655 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Sep 23, 2025 | Deed of Trust, Mortgage · Veterans Administration Mortgage C2 FINANCIAL CORP |
| Sep 21, 2021 | Deed of Trust, Mortgage · Veterans Administration Mortgage NAVY FCU |
| Jun 26, 2020 | Deed of Trust, Mortgage · Veterans Administration Mortgage NAVY FCU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 20, 2024 · Amount on Record |
| Deed Sale | Jun 20, 2024 · Amount on Record |
| Prior Sale | Sep 09, 2014 · Amount on Record |
| Deed Doc Number | 2024155551 |
| Prior Transfer Date | Jun 18, 2005 |
| Prior Transfer Doc | 0000571148 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 5108 SPENCER CT, OCEANSIDE, CA 92057-2655 |
| Transaction Type | Mortgage |
| Record Updated | Oct 01, 2025 |
| Name | Verified Name |
|---|---|
| Address | 5108 SPENCER CT, OCEANSIDE, CA 92057-2655 |
| Document Number | 0000264369 |
|---|---|
| Date | Sep 23, 2025 |
| Instrument | 2025-0264369 |
| Name | C2 FINANCIAL CORP |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92130 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 5108 SPENCER CT, OCEANSIDE, CA 92057-2655 |
| Transaction Type | Mortgage |
| Record Updated | Sep 29, 2021 |
| Title Company | NAVY FEDERAL TITLE/CALIFORNIA, NAVY FEDERAL TITLE OF CA INC |
| Name | Verified Name |
|---|---|
| Address | 5108 SPECNER T, OCEANSIDE, CA 92057 |
| Document Number | 0000664617 |
|---|---|
| Date | Sep 21, 2021 |
| Instrument | 2021-0664617 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 5108 SPENCER CT, OCEANSIDE, CA 92057-2655 |
| Document Number | 0000347961 |
| Instrument Date | Jun 26, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2020 |
| Title Company | EQUITY TITLE COMPANY, EQUITY TITLE CO. |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 5108 SPENCER CT OCEANSIDE CA 920572655, OCEANSIDE, CA 92057-2655 |
| Document Number | 0000347961 |
|---|---|
| Date | Jul 01, 2020 |
| Instrument | 347961 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 30, 2050 |
Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Municipality | Oceanside City |
| Unified School District | Oceanside Unified School District (KG - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $1,227,672 (+2%) Land $915,552 Building $312,120 | |
| 2025 | $14,720.00 (+128.78%) Homeowner's exemption | $1,203,600 (+100.37%) Land $897,600 Building $306,000 |
| 2023 | $6,434.00 (-0.17%) | $600,688 Land $285,661 Building $315,027 |
| 2022 | $6,445.00 |
Source: FEMA National Flood Hazard Layer, San Diego County (06073C), updated September 3, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 38% of the US · above 23% of California |
|---|---|
| Wildfire Likelihood | About 1 in 1,351 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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