784 Opal St, San Diego, CA 92109 Property Records

San Diego County property record for 784 Opal St, San Diego, CA 92109

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,288 sqft · built 1978
Lot Size	0.126 acres (5,470 sqft)
Owner	2 Company Names on Record
Last Sale	$755,000 (Nov 2018)
Tax Bill	$11,005 (2025)
Deeds & Mortgages	May 2019 Mortgage Oct 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`415-321-04-03`

Property Details

APN / Parcel Number

Primary APN	`415-321-04-03`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,288 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Built-Up Asphalt
Lot Area	5,470 sqft (0.126 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	784 OPAL ST
City	SAN DIEGO
State	CA
Zip	92109-1726
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RM-1-1
Legal Description	BLK 3 US 3 PER DOC77-479564&UND INT IN LOTS 27 THRU 30 IN TR 000941
Legal Subdivision	OCEAN SPRAY ADD
Legal Tract	000941
Legal Block	3
Legal Lot Number	27-30
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	3
Census Block	3002
Census Tract	8003

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 Company Names on Record
Mailing Address	784 OPAL ST, SAN DIEGO, CA 92109-1726
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 1, 2019	Deed of Trust, Mortgage · ARM PNC BANK NA
Oct 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage ONY GLO INC
Mar 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANLOCK
Nov 20, 2018	Grant Deed, Transfer · ARM PNC BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 20, 2018 · Amount on Record
Deed Sale	Nov 20, 2018 · Amount on Record
Prior Sale	Oct 2, 2007 · Amount on Record
Deed Document Number	2018482618
Prior Transfer Date	Jul 16, 2012
Prior Transfer Doc	0000541343
Record Updated	Oct 29, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	784 OPAL ST, SAN DIEGO, CA 92109-1726
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NATIONALLINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000162411
Date	May 1, 2019
Instrument	2019-0162411

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Type Change Date	May 1, 2029
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	8.62%
Index	1-Year LIBOR
Max Rate	8.62%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	784 OPAL ST, SAN DIEGO, CA 92109-1726
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	784 OPAL ST, SAN DIEGO, CA 92109-1726

Mortgage

Document Number	0000595680
Date	Oct 2, 2020
Instrument	2020-0595680

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	784 OPAL ST, SAN DIEGO, CA 92109-1726
Document Number	0000132663
Instrument Date	Mar 9, 2020
Transaction Type	Mortgage
Record Updated	Mar 31, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE ORANGE CN

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	784 OPAL ST SAN DIEGO CA 921091726, SAN DIEGO, CA 92109-1726

Mortgage

Document Number	0000132663
Date	Mar 13, 2020
Instrument	132663

Lender

Name	LOANLOCK
Address	SANTA ANA, CA 92707

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 12, 2050

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 20, 2018
Property Address	784 OPAL ST, SAN DIEGO, CA 92109-1726
Document Number	0000482618
Map Reference	MAP 941
Instrument Date	Oct 25, 2018
Instrument	2018-0482618
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	TICOR TITLE COMPANY

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
Relationship	Joint Tenants
Address	784 OPAL ST, SAN DIEGO, CA 92109-1726

Mortgage

Document Number	0000482619
Date	Nov 20, 2018
Instrument	2018-0482619

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	Dec 1, 2028
Change Frequency	Annually
Min Rate At Change	2.5%
Max Rate At Change	9.12%
Index	1-Year LIBOR
Max Rate	9.12%

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	San Diego City
Unified School District	San Diego City Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$859,055 (+2%) Land $634,956 Building $224,099
2025	$11,005.00 (+11.59%) Homeowner's exemption	$842,211 (+4.04%) Land $622,506 Building $219,705
2023	$9,862.00 (+2.75%) Homeowner's exemption	$809,509 Land $598,334 Building $211,175
2022	$9,598.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 SAN DIEGO serves 1,408,937 people · EPA ID CA3710020
Water Source	Surface water
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2024–2026) 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 345 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile, Verizon.

Nearby Properties on Opal St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures