San Diego County property record for 685 Mosaic Cir, Oceanside, CA 92057
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,254 sqft · built 1991 |
| Lot Size | 0.173 acres (7,518 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $553,000 (Aug 2016) |
| Tax Bill | $7,286 (2025) |
| Deeds & Mortgages | Feb 2022 Line of Credit Jul 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 161-692-41-00 |
| Primary APN | 161-692-41-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,254 sqft Living Area |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Lot Area | 7,518 sqft (0.173 acres) |
| Parking Spaces | 3 Parking Spaces |
| Street Address | 685 MOSAIC CIR |
|---|---|
| City | OCEANSIDE |
| State | CA |
| Zip | 92057-6213 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD-1 (Res) |
| Legal Description | LOT 41 TR 012486 |
| Legal Subdivision | RANCHO DEL ORO INDUST PARK |
| Legal Tract | 012486 |
| Legal Block | 1 |
| Legal Lot Number | 41 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | OCEANSIDE-ESCONDIDO |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 18525 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 685 MOSAIC CIR, OCEANSIDE, CA 92057-6213 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Feb 18, 2022 | Deed of Trust, Mortgage · Line of Credit FIRST BANK |
| Jul 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage SUN WEST MORTGAGE COMPANY INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 19, 2016 · Amount on Record |
| Deed Sale | Aug 19, 2016 · Amount on Record |
| Prior Sale | Dec 12, 1990 · Amount on Record |
| Deed Document Number | 2016428337 |
| Prior Transfer Date | Jan 22, 2007 |
| Prior Transfer Doc | 0000338431 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 685 MOSAIC CIR, OCEANSIDE, CA 92057-6213 |
| Transaction Type | Mortgage |
| Record Updated | Mar 2, 2022 |
| Name | Verified Name |
|---|---|
| Address | 685 MOSAIC CIR, OCEANSIDE, CA 92057-6213 |
| Document Number | 0000076347 |
|---|---|
| Date | Feb 18, 2022 |
| Instrument | 2022-0076347 |
| Name | FIRST BANK |
|---|---|
| Type | Bank |
| Address | ROSEVILLE, CA 95661 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 685 MOSAIC CIR, OCEANSIDE, CA 92057-6213 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TICOR TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000413177 |
|---|---|
| Date | Jul 28, 2020 |
| Instrument | 2020-0413177 |
| Name | SUN WEST MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Address | BUENA PARK, CA 90620 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2050 |
Source: San Diego County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Municipality | Oceanside City |
| Unified School District | Vista Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $654,394 (+2%) Land $178,457 Building $475,937 | |
| 2025 | $7,286.00 (+8.67%) | $641,563 (+4.04%) Land $174,958 Building $466,605 |
| 2023 | $6,705.00 (+0.06%) | $616,652 Land $168,165 Building $448,487 |
| 2022 | $6,701.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 522 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 / 35 |
| San Diego Broadband Fixed Wireless | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
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