786 Sepia Ct, Oceanside, CA 92057 Property Records

San Diego County property record for 786 Sepia Ct, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,254 sqft · built 1990
Lot Size	0.16 acres (6,968 sqft)
Owner	2 Trust Names on File
Last Sale	$330,000 (Aug 2012)
Tax Bill	$4,550 (2025)
Deeds & Mortgages	Jul 2026 Transfer Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`161-691-05-00`

Property Details

APN / Parcel Number

Primary APN	`161-691-05-00`

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	6,968 sqft (0.16 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	786 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 29 TR 012337
Legal Subdivision	RANCHO DEL ORO INDUST PARK
Legal Tract	012337
Legal Block	1
Legal Lot Number	29
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1012
Census Tract	18525

Owner

786 Sepia Ct is owner-occupied and held in a trust since July 2026.

Source: San Diego County records, as of July 28, 2026

Owner of Record	2 Trust Names on File
Mailing Address	786 SEPIA CT, OCEANSIDE, CA 92057-6210
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2026	Quit Claim Deed, Transfer DIVERSIFIED TITLE
Oct 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2012 · Amount on File
Deed Sale	Aug 3, 2012 · Amount on File
Prior Sale	Jul 30, 2003 · Amount on File
Deed Document Number	2012458614
Last Transfer Date	Jul 15, 2026
Transfer Doc	0000202474
Record Updated	Oct 29, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 15, 2026
Property Address	786 SEPIA CT, OCEANSIDE, CA 92057-6210
Document Number	0000202474
Instrument Date	Jul 15, 2026
Instrument	2026202474
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	DIVERSIFIED TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	786 SEPIA CT, OCEANSIDE, CA 92057-6210
Investor	Possibly a Property Investor

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	786 SEPIA CT, OCEANSIDE, CA 92057-6210
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TICOR TTL ORANGE CNTY BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	789 SEPIA CT, OCEANSIDE, CA 92057-6210

Mortgage

Document Number	0000628293
Date	Oct 15, 2020
Instrument	2020-0628293

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 786 Sepia Ct was $4,550.

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		$414,487 (+2%) Land $200,964 Building $213,523
2025	$4,550.00 Homeowner's exemption	$406,361 Land $197,024 Building $209,337
2023	$4,185.00 (+0.29%) Homeowner's exemption	$390,583 Land $189,374 Building $201,209
2022	$4,173.00

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

Flood

FEMA maps place 786 Sepia Ct in Zone X, an area of minimal flood risk.

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

The area around 786 Sepia Ct has no burnable land within ember reach, so its wildfire risk is not rated.

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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