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5116 Spencer Ct, Oceanside, CA 92057 Property Records

San Diego County property record for 5116 Spencer Ct, Oceanside, CA 92057 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 2,570 sqft · built 2003
Lot Size0.192 acres (8,362 sqft)
Owner2 Individual Names on File
Last Sale$1,040,000 (Sep 2024)
Tax Bill$12,745 (2025)
Deeds & MortgagesNov 2020 Mortgage
Feb 2020 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN122-501-18-00

Property Details

APN / Parcel Number

Primary APN122-501-18-00

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Building Area2,570 sqft Living Area

Exterior

Year BuiltBuilt 2003
Effective Year BuiltEffective 2003
Lot Area8,362 sqft (0.192 acres)
Parking Spaces3 Parking Spaces

Location & Zoning

Street Address5116 SPENCER CT
CityOCEANSIDE
StateCA
Zip92057-2655
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 124 TR 014389
Legal SubdivisionMORRO HILLS VILLAGE
Legal Tract014389
Legal Block1
Legal Lot Number124
JurisdictionSAN DIEGO CA
Township / Civil DivisionOCEANSIDE-ESCONDIDO
Census Block Group1
Census Block1001
Census Tract18617

Owner

Source: San Diego County records · APN 122-501-18-00

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 Record2 Individual Names on File
Mailing Address5116 SPENCER CT, OCEANSIDE, CA 92057-2655
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Nov 18, 2020Deed of Trust, Mortgage · VA Mortgage
FREEDOM MORTGAGE CORP
Feb 26, 2020Deed of Trust, Mortgage · VA Mortgage
HOMEBRIDGE FINANCIAL SERVICES INC
May 09, 2019Grant Deed, Transfer · VA Mortgage
HOMEBRIDGE FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleSep 17, 2024 · Amount on Record
Deed SaleSep 17, 2024 · Amount on Record
Prior SaleMay 09, 2019 · Amount on Record
Deed Document Number2024250917
Prior Transfer DateJan 25, 2013
Prior Transfer Doc0000089030
Record UpdatedSep 20, 2026

November 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address5116 SPENCER CT, OCEANSIDE, CA 92057-2655
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyTITLE365

Transferred To (Grantee/Buyer)

NameVerified Name
Address5116 SPENCER CT, OCEANSIDE, CA 92057-2655

Mortgage

Document Number0000731013
DateNov 18, 2020
Instrument2020-0731013
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term353 Months
DueApr 01, 2050

February 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address5116 SPENCER CT, OCEANSIDE, CA 92057-2655
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyTICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000097962
DateFeb 26, 2020
Instrument2020-0097962
Lender
NameHOMEBRIDGE FINANCIAL SERVICES INC
TypeFunding / Finance Company
AddressISELIN, NJ 08830
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueMar 01, 2050

May 2019: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSAN DIEGO CA
Recording DateMay 09, 2019
Property Address5116 SPENCER CT, OCEANSIDE, CA 92057-2655
Document Number0000175572
Map ReferenceMAP 14389
Instrument DateApr 24, 2019
Instrument2019-0175572
Transaction TypeTransfer
Record UpdatedAug 24, 2021
Title CompanyFIRST AMERICAN TITLE

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address5116 SPENCER CT, OCEANSIDE, CA 92057-2655

Mortgage

Document Number0000175573
DateMay 09, 2019
Instrument2019-0175573
Lender
NameHOMEBRIDGE FINANCIAL SERVICES INC
TypeFunding / Finance Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueJun 01, 2049

Tax Assessment & Valuation

Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySan Diego County
MunicipalityOceanside City
Unified School DistrictOceanside Unified School District (KG - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed Value
2026$1,060,800 (+2%) Land $805,800 Building $255,000
2025$12,745.00 (+74.83%)$1,040,000 (+48.09%) Land $790,000 Building $250,000
2023$7,290.00 (-18.55%)$702,287 Land $291,190 Building $411,097
2022$8,950.00

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 ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 2 individual NFIP policies nearby
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies2 in force
2 of 2 on primary residences

Wildfire

Wildfire RiskLow
above 38% of the US · above 23% of California
Wildfire LikelihoodAbout 1 in 1,351 per year
ExposureDirect
burnable vegetation at the parcel

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.

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