762 Sepia Ct, Oceanside, CA 92057 Property Records

San Diego County property record for 762 Sepia Ct, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,254 sqft · built 1990
Lot Size	0.115 acres (5,015 sqft)
Owner	2 Individual Names on Record
Last Sale	$547,500 (Nov 2004)
Tax Bill	$8,580 (2025)
Deeds & Mortgages	Feb 2020 Mortgage Feb 2020 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`161-690-23-00`

Property Details

APN / Parcel Number

Primary APN	`161-690-23-00`

Interior

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

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Lot Area	5,015 sqft (0.115 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	762 SEPIA CT
City	OCEANSIDE
State	CA
Zip	92057-6209
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD-1 (Res)
Legal Description	LOT 23 TR 012337
Legal Subdivision	RANCHO DEL ORO INDUST PARK
Legal Tract	012337
Legal Block	1
Legal Lot Number	23
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1012
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	2 Individual Names on Record
Mailing Address	762 SEPIA CT, OCEANSIDE, CA 92057-6209
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Feb 6, 2020	Deed of Trust, Mortgage · Line of Credit TCF NATIONAL BANK
Nov 6, 2020	Deed of Trust, Mortgage · VA Mortgage FINANCE OF AMERICA MORTGAGE LLC
Sep 17, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 16, 2004 · Amount on Record
Deed Sale	Nov 16, 2004 · Amount on Record
Prior Sale	Nov 16, 2004 · Amount on Record
Deed Document Number	20041085096
Last Transfer Date	May 19, 2006
Transfer Doc	0000375634
Record Updated	Oct 29, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	762 SEPIA CT, OCEANSIDE, CA 92057-6209
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000061913
Date	Feb 6, 2020
Instrument	2020-0061913

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	762 SEPIA CT, OCEANSIDE, CA 92057-6209
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000061914
Date	Feb 6, 2020
Instrument	2020-0061914

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	365 Months
Due	Jul 23, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	762 SEPIA CT, OCEANSIDE, CA 92057-6209
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	762 SEPIA CT, OCEANSIDE, CA 92057-6209

Mortgage

Document Number	0000694771
Date	Nov 6, 2020
Instrument	2020-0694771

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	762 SEPIA CT, OCEANSIDE, CA 92057-6209
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	TITLE CONNECTION, TITLE CONNECT INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	762 SEPIA CT, OCEANSIDE, CA 92057-6209

Mortgage

Document Number	0000659817
Date	Sep 17, 2021
Instrument	2021-0659817

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

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

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		$778,364 (+2%) Land $426,501 Building $351,863
2025	$8,580.00 (+8.7%) Homeowner's exemption	$763,103 (+4.04%) Land $418,139 Building $344,964
2023	$7,893.00 (+0.27%) Homeowner's exemption	$733,472 Land $401,903 Building $331,569
2022	$7,872.00

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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