648 Mosaic Cir, Oceanside, CA 92057 Property Records

San Diego County property record for 648 Mosaic Cir, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,254 sqft · built 1992
Lot Size	0.93 acres (4,050 sqft)
Owner	Individual Name on Record
Last Sale	$276,000 (Dec 2018)
Tax Bill	$7,053 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Dec 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`161-692-32-00`

Property Details

APN / Parcel Number

Primary APN	`161-692-32-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,254 sqft Living Area

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Lot Area	4,050 sqft (0.93 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	648 MOSAIC CIR
City	OCEANSIDE
State	CA
Zip	92057-6211
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD-1 (Res)
Legal Description	LOT 32 TR 012486
Legal Subdivision	RANCHO DEL ORO INDUST PARK
Legal Tract	012486
Legal Block	1
Legal Lot Number	32
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1010
Census Tract	18525

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	Individual Name on Record
Mailing Address	648 MOSAIC CIR, OCEANSIDE, CA 92057-6211
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage USE CREDIT UNION
Dec 31, 2018	Quit Claim Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 31, 2018 · Amount on Record
Deed Sale	Dec 31, 2018 · Amount on Record
Prior Sale	Mar 24, 2016 · Amount on Record
Deed Document Number	2018533254
Last Transfer Date	Nov 16, 2021
Transfer Doc	0000816564
Record Updated	Sep 20, 2026

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 30, 2021
Property Address	648 MOSAIC CIR, OCEANSIDE, CA 92057-6211
Document Number	0000816564
Map Reference	MAP 12486
Instrument Date	Nov 16, 2021
Instrument	2021-0816564
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	CHICAGO TITLE COMPANY SD

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	648 MOSAIC CIR, OCEANSIDE, CA 92057-6211
Investor	Possibly a Property Investor

Mortgage

Document Number	0000816565
Date	Nov 30, 2021
Instrument	2021-0816565

Lender

Name	USE CREDIT UNION
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 31, 2018
Property Address	648 MOSAIC CIR, OCEANSIDE, CA 92057-6211
Document Number	0000533254
Map Reference	MAP 12486
Instrument Date	Dec 20, 2018
Instrument	2018-0533254
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	AMROCK

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	648 MOSAIC CIR, OCEANSIDE, CA 92057-6211
Investor	Possibly a Property Investor

Mortgage

Document Number	0000533255
Date	Dec 31, 2018
Instrument	2018-0533255

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 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	Vista Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$639,949 (+2%) Land $365,686 Building $274,263
2025	$7,053.00 (+8.59%) Homeowner's exemption	$627,402 (+4.04%) Land $358,516 Building $268,886
2023	$6,495.00 (+0.26%) Homeowner's exemption	$603,042 Land $344,596 Building $258,446
2022	$6,478.00

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	3 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	Not rated no burnable land within ember reach

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 543 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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