770 Sepia Ct, Oceanside, CA 92057 Property Records

San Diego County property record for 770 Sepia Ct, Oceanside, CA 92057 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,254 sqft · built 1990
Lot Size	0.12 acres (5,211 sqft)
Owner	Company Name on File
Last Sale	$209,000 (Feb 1990)
Tax Bill	$4,282 (2025)
Deeds & Mortgages	Jan 2022 Line of Credit Dec 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`161-691-01-00`

Property Details

APN / Parcel Number

Primary APN	`161-691-01-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Building Area	2,254 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Conventional
Lot Area	5,211 sqft (0.12 acres)
Garage Type	Attached
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	770 SEPIA CT
City	OCEANSIDE
State	CA
Zip	92057-6209
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 25 TR 012337
Legal Subdivision	RANCHO DEL ORO INDUST PARK
Legal Tract	012337
Legal Block	1
Legal Lot Number	25
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 · APN 161-691-01-00

Assessment roll updated July 28, 2026 · Last verified August 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 File
Mailing Address	770 SEPIA CT, OCEANSIDE, CA 92057-6209
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2022	Deed of Trust, Mortgage · Line of Credit FREMONT BANK
Dec 17, 2018	Deed of Trust, Mortgage · Line of Credit FREMONT BANK
Dec 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage ONY GLO INC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 22, 1990 · Amount on Record
Deed Sale	Feb 22, 1990 · Amount on Record
Deed Document Number	199095233
Last Transfer Date	Dec 21, 1995
Transfer Doc	0000001395
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	770 SEPIA CT, OCEANSIDE, CA 92057-6209
Transaction Type	Mortgage
Record Updated	Feb 02, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	770 SEPIA CT, OCEANSIDE, CA 92057-6209

Mortgage

Document Number	0000038391
Date	Jan 26, 2022
Instrument	2022-0038391

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 20, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	770 SEPIA CT, OCEANSIDE, CA 92057-6209
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	770 SEPIA CT, OCEANSIDE, CA 92057-6209

Mortgage

Document Number	0000514815
Date	Dec 17, 2018
Instrument	2018-0514815

Lender

Name	FREMONT BANK
Type	Bank
Address	LIVERMORE, CA 94551

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 11, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	770 SEPIA CT, OCEANSIDE, CA 92057-6209
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	FIDELITY NATL TTL ORANGE CNT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	770 SEPIA CT, OCEANSIDE, CA 92057-6209

Mortgage

Document Number	0000832402
Date	Dec 23, 2020
Instrument	2020-0832402

Lender

Name	ONY GLO INC
Type	Mortgage Company
Address	SANTA ANA, CA 92707

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jan 01, 2031

Tax Assessment & Valuation

Source: San Diego County records · Assessment roll updated July 28, 2026 · Last verified August 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

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

Year	Tax Bill	Assessed Value
2026		$390,288 (+2%) Land $131,341 Building $258,947
2025	$4,282.00 (+8.74%) Homeowner's exemption	$382,636 (+4.04%) Land $128,766 Building $253,870
2023	$3,938.00 (+0.28%) Homeowner's exemption	$367,780 Land $123,767 Building $244,013
2022	$3,927.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, San Diego County (06073C), updated September 3, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060730185251, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	3 in force

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 543 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cox Communications	Fiber	2,000 / 2,000
San Diego Broadband	Fixed Wireless (unlicensed)	500 / 100
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	DSL	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: AT&T, Verizon, Cox Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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