778 Timber Cove Way, Oceanside, CA 92058 Property Records

San Diego County property record for 778 Timber Cove Way, Oceanside, CA 92058

Property Summary

Property Type	Condominium
Details	2 bd · 1.5 ba · 1,104 sqft · built 1986
Lot Size	2.08 acres (90,702 sqft)
Owner	2 Individual Names on Record
Last Sale	$210,000 (Sep 2002)
Tax Bill	$3,444 (2025)
Deeds & Mortgages	Feb 2026 Transfer Feb 2026 Transfer + 2 more
Flood Zone	Zone X (moderate risk)
APN	`157-550-30-30`

Property Details

APN / Parcel Number

Primary APN	`157-550-30-30`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,104 sqft Living Area

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Condo/Apartment
Lot Area	90,702 sqft
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	778 TIMBER COVE WAY
City	OCEANSIDE
State	CA
Zip	92058-6936
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RM-B
Legal Description	LOT 153 US226PER DOC84-322713&UND INT IN LOT 146&IN TR 009745
Legal Subdivision	WHELAN RANCH
Legal Tract	009745
Legal Block	2
Legal Lot Number	146,1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1015
Census Tract	18608

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	7411 W BENT TREE DR, PEORIA, AZ 85383-6445
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2026	Transfer on Death Deed, Transfer
Feb 17, 2026	Intrafamily Transfer, Transfer
Feb 20, 2026	Transfer on Death Deed, Transfer
Jan 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage HOMEOWNERS FINANCIAL GROUP USA LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 24, 2002 · Amount on Record
Deed Sale	Sep 24, 2002 · Amount on Record
Prior Sale	Oct 9, 2001 · Amount on Record
Deed Document Number	2002817104
Prior Transfer Date	Aug 31, 2001
Prior Transfer Doc	0000728976
Record Updated	Oct 29, 2026

February 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 26, 2026
Property Address	778 TIMBER COVE WAY, OCEANSIDE, CA 92058-6936
Document Number	0000053189
Map Reference	MAP 9745
Instrument Date	Feb 13, 2026
Instrument	2026-0053189
Transaction Type	Transfer
Record Updated	Mar 5, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7411 W BENT TREE DR, PEORIA, AZ 85383-6445

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 17, 2026
Property Address	778 TIMBER COVE WAY, OCEANSIDE, CA 92058-6936
Document Number	0000042237
Map Reference	MAP 9745
Instrument Date	Feb 13, 2026
Instrument	2026-0042237
Transaction Type	Transfer
Record Updated	Feb 25, 2026

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
Relationship	Tenants in Common
Address	7411 W BENT TREE DR, PEORIA, AZ 85383-6445

February 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 20, 2026
Property Address	778 TIMBER COVE WAY, OCEANSIDE, CA 92058-6936
Document Number	0000047612
Map Reference	MAP 9745
Instrument Date	Jan 26, 2026
Instrument	2026-0047612
Transaction Type	Transfer
Record Updated	Mar 2, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7206 W AURORA DR, GLENDALE, AZ 85308-9556

Transferred To (Grantee/Buyer)

Name	Verified Name

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	778 TIMBER COVE WAY, OCEANSIDE, CA 92058-6936
Transaction Type	Mortgage
Record Updated	Jan 17, 2022
Title Company	FIDELITY NATIONAL TITLE AGENCY/NV I, FIDELITY NATL TTL AGCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7206W W AURORA DR, GLENDALE, AZ 85308-9556

Mortgage

Document Number	0000010252
Date	Jan 7, 2022
Instrument	2022-0010252

Lender

Name	HOMEOWNERS FINANCIAL GROUP USA LLC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85254

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

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	Oceanside Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$310,207 (+2%) Land $162,491 Building $147,716
2025	$3,444.00 (+5.19%)	$304,125 (+4.04%) Land $159,305 Building $144,820
2023	$3,274.00 (+1.52%)	$292,318 Land $153,120 Building $139,198
2022	$3,225.00

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	1 (2002)
Most Recent Claim	Dec 2002 · rainfall accumulation

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	Moderate above 67% of the US · above 42% of California
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: San Diego Broadband, T-Mobile.

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