779 Sepia Ct, Oceanside, CA 92057 Property Records

San Diego County property record for 779 Sepia Ct, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,957 sqft · built 1990
Lot Size	0.97 acres (4,245 sqft)
Owner	Individual Name on Record
Last Sale	$553,500 (Jul 2020)
Tax Bill	$6,728 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Mar 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`161-691-10-00`

Property Details

APN / Parcel Number

Primary APN	`161-691-10-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,957 sqft Living Area

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Lot Area	4,245 sqft (0.97 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	779 SEPIA CT
City	OCEANSIDE
State	CA
Zip	92057-6210
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD-1 (Res)
Legal Description	LOT 34 TR 012337
Legal Subdivision	RANCHO DEL ORO INDUST PARK
Legal Tract	012337
Legal Block	1
Legal Lot Number	34
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	Individual Name on Record
Mailing Address	779 SEPIA CT, OCEANSIDE, CA 92057-6210
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 19, 2021	Deed of Trust, Mortgage · FHA Mortgage GUILD MORTGAGE CO
Mar 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage MOVEMENT MORTGAGE
Jul 28, 2020	Grant Deed, Transfer · FHA Mortgage MOVEMENT MORTGAGE
Feb 9, 2018	Quit Claim Deed, Transfer · Conventional with PMI CALIBER HM LOANS
Jul 12, 2017	Grant Deed, Transfer · FHA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 28, 2020 · Amount on Record
Deed Sale	Jul 28, 2020 · Amount on Record
Prior Sale	Jul 12, 2017 · Amount on Record
Deed Document Number	2020413182
Prior Transfer Date	Jan 29, 2018
Prior Transfer Doc	0000053549
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	779 SEPIA CT, OCEANSIDE, CA 92057-6210
Transaction Type	Mortgage
Record Updated	Dec 1, 2021
Title Company	TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	779 SEPIA CT, OCEANSIDE, CA 92057-6210

Mortgage

Document Number	0000800338
Date	Nov 19, 2021
Instrument	2021-0800338

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	779 SEPIA CT, OCEANSIDE, CA 92057-6210
Transaction Type	Mortgage
Record Updated	Mar 17, 2021
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	779 SEPIA CT, OCEANSIDE, CA 92057-6210

Mortgage

Document Number	0000180180
Date	Mar 8, 2021
Instrument	2021-0180180

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 28, 2020
Property Address	779 SEPIA CT, OCEANSIDE, CA 92057-6210
Document Number	0000413182
Map Reference	MAP 12337
Instrument Date	May 30, 2020
Instrument	2020-0413182
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	779 SEPIA CT, OCEANSIDE, CA 92057-6210

Mortgage

Document Number	0000413183
Date	Jul 28, 2020
Instrument	2020-0413183

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 9, 2018
Property Address	779 SEPIA CT, OCEANSIDE, CA 92057-6210
Document Number	0000053549
Instrument Date	Jan 29, 2018
Instrument	53549
Transaction Type	Transfer
Record Updated	Feb 14, 2018
Title Company	CORINTHIAN TITLE COMPANY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	779 SEPIA CT OCEANSIDE CA 920576210, OCEANSIDE, CA 92057-6210

Mortgage

Document Number	53550
Date	Feb 9, 2018
Instrument	53550

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Feb 8, 2048

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 12, 2017
Property Address	779 SEPIA CT, OCEANSIDE, CA 92057-6210
Document Number	0000313164
Instrument Date	Jun 14, 2017
Instrument	313164
Transaction Type	Transfer
Record Updated	Jul 18, 2017
Title Company	LAWYERS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$561.00
Amount Accuracy	Full Value
Additional	Notice of Default Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	779 SEPIA CT OCEANSIDE CA 920576210, OCEANSIDE, CA 92057-6210

Mortgage

Document Number	313165
Date	Jul 12, 2017
Instrument	313165

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 11, 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		$611,103 (+2%) Land $258,681 Building $352,422
2025	$6,728.00 (+8.71%) Homeowner's exemption	$599,121 (+4.04%) Land $253,609 Building $345,512
2023	$6,189.00 (+0.28%) Homeowner's exemption	$575,859 Land $243,762 Building $332,097
2022	$6,172.00

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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