5120 Spencer Ct, Oceanside, CA 92057 Property Records

San Diego County property record for 5120 Spencer Ct, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,832 sqft · built 2003
Lot Size	0.254 acres (11,043 sqft)
Owner	Company Name on Record
Last Sale	$427,000 (Jun 2003)
Tax Bill	$8,254 (2025)
Deeds & Mortgages	Feb 2024 Transfer May 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`122-501-17-00`

Property Details

APN / Parcel Number

Primary APN	`122-501-17-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,832 sqft Living Area

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Lot Area	11,043 sqft (0.254 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	5120 SPENCER CT
City	OCEANSIDE
State	CA
Zip	92057-2655
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-MP-1
Legal Description	LOT 123 TR 014389
Legal Subdivision	MORRO HILLS VILLAGE
Legal Tract	014389
Legal Block	1
Legal Lot Number	123
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, as of July 28, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	5120 SPENCER CT, OCEANSIDE, CA 92057-2655
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2024	Intrafamily Transfer, Transfer
May 6, 2019	Deed of Trust, Mortgage · Conventional Mortgage THE FEDERAL SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 26, 2003 · Amount on Record
Deed Sale	Jun 26, 2003 · Amount on Record
Deed Document Number	2003760339
Last Transfer Date	Jan 26, 2024
Transfer Doc	0000028731
Record Updated	Oct 29, 2026

February 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 2, 2024
Property Address	5120 SPENCER CT, OCEANSIDE, CA 92057-2655
Document Number	0000028731
Map Reference	DOC 2002-0398735
Instrument Date	Jan 26, 2024
Instrument	2024-0028731
Transaction Type	Transfer
Record Updated	Feb 13, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	30219 AU BON CLIMAT CT, BONSALL, CA 92003-7204

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	5120 SPENCER CT, OCEANSIDE, CA 92057-2655
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000167693
Date	May 6, 2019
Instrument	2019-0167693

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60607

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2049

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 28, 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

Year	Tax Bill	Assessed Value
2026		$630,298 (+2%) Land $265,894 Building $364,404
2025	$8,254.00 (-1.53%)	$617,940 (+4.04%) Land $260,681 Building $357,259
2024	$8,382.00 (+2.97%)
2023	$8,140.00 (+1.27%)	$593,946 Land $250,559 Building $343,387
2022	$8,038.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 3, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	2 in force

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · lower than 77% of California
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF OCEANSIDE serves 174,340 people · EPA ID CA3710014
Water Source	Purchased surface water from several systems
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 586 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Fiber	2,000 / 35
San Diego Broadband Fixed Wireless	500 / 100
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Verizon.

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