676 Mosaic Cir, Oceanside, CA 92057 Property Records

San Diego County property record for 676 Mosaic Cir, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,254 sqft · built 1991
Lot Size	0.96 acres (4,183 sqft)
Owner	Company on Record
Last Sale	$196,700 (Jan 1991)
Tax Bill	$10,205 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Mar 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`161-692-39-00`

Property Details

APN / Parcel Number

Primary APN	`161-692-39-00`

Interior

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

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Lot Area	4,183 sqft (0.96 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	676 MOSAIC CIR
City	OCEANSIDE
State	CA
Zip	92057-6212
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD-1 (Res)
Legal Description	LOT 39 TR 012486
Legal Subdivision	RANCHO DEL ORO INDUST PARK
Legal Tract	012486
Legal Block	1
Legal Lot Number	39
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1010
Census Tract	18525

Owner

Source: San Diego County assessment roll, 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 on Record
Mailing Address	676 MOSAIC CIR, OCEANSIDE, CA 92057-6212
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2021	Deed of Trust, Mortgage · VA Mortgage EMORTGAGE FUDING LLC
Mar 21, 2019	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
May 19, 2017	Affidavit of Death of Joint Tenant, Transfer · VA Mortgage CONGRESSIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 30, 1991 · Amount on Record
Deed Sale	Jan 30, 1991 · Amount on Record
Deed Document Number	199143604
Last Transfer Date	Mar 31, 2017
Transfer Doc	0000226981
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	676 MOSAIC CIR, OCEANSIDE, CA 92057-6212
Transaction Type	Mortgage
Record Updated	Sep 3, 2021
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	676 MOSAIC CIR, OCEANSIDE, CA 92057-6212

Mortgage

Document Number	0000603932
Date	Aug 25, 2021
Instrument	2021-0603932

Lender

Name	EMORTGAGE FUDING LLC
Type	Non-Lending Institution
Address	TROY, MI 48084

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	676 MOSAIC CIR, OCEANSIDE, CA 92057-6212
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TRANSTAR NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000101323
Date	Mar 21, 2019
Instrument	2019-0101323

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

May 2017: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	SAN DIEGO CA
Recording Date	May 19, 2017
Property Address	676 MOSAIC CIR, OCEANSIDE, CA 92057-6212
Document Number	0000226981
Map Reference	MAP12486
Instrument Date	Mar 31, 2017
Instrument	2017-0226981
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	NATIONAL CLOSING SOLUTIONS

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	676 MOSAIC CIR, OCEANSIDE, CA 92057-6212

Mortgage

Document Number	0000226982
Date	May 19, 2017
Instrument	2017-0226982

Lender

Name	CONGRESSIONAL BANK
Type	Bank
Address	BETHESDA, MD 20817

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

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		$917,944 (+2%) Land $636,724 Building $281,220
2025	$10,205.00 (+180.74%)	$899,946 (+164.87%) Land $624,240 Building $275,706
2023	$3,635.00 (-0.05%) Homeowner's exemption	$339,767 Land $86,666 Building $253,101
2022	$3,637.00

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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