788 Valley Crest Dr, Oceanside, CA 92058 Property Records

San Diego County property record for 788 Valley Crest Dr, Oceanside, CA 92058

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,252 sqft · built 1988
Lot Size	0.17 acres (7,410 sqft)
Owner	Company Name on Record
Last Sale	$330,000 (Aug 2017)
Tax Bill	$4,248 (2025)
Deeds & Mortgages	Jan 2022 Mortgage May 2018 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`158-314-23-00`

Property Details

APN / Parcel Number

Primary APN	`158-314-23-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,252 sqft Living Area

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Lot Area	7,410 sqft (0.17 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	788 VALLEY CREST DR
City	OCEANSIDE
State	CA
Zip	92058-7404
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 149 TR 008935
Legal Subdivision	MAR LADO HIGHLANDS
Legal Tract	008935
Legal Block	2
Legal Lot Number	149
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2001
Census Tract	18601

Owner

Source: San Diego County records, as of July 21, 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 Record
Mailing Address	795 VALLEY CREST DR, OCEANSIDE, CA 92058-7403
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2022	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
May 30, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Aug 29, 2017	Grant Deed, Transfer · Conventional Mortgage STEARNS LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 29, 2017 · Amount on Record
Deed Sale	Aug 29, 2017 · Amount on Record
Prior Sale	Oct 3, 2001 · Amount on Record
Deed Document Number	2017394948
Last Transfer Date	Oct 24, 2017
Transfer Doc	0000216978
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	788 VALLEY CREST DR, OCEANSIDE, CA 92058-7404
Transaction Type	Mortgage
Record Updated	Feb 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	795 VALLEY CREST DR, OCEANSIDE, CA 92058-7403

Mortgage

Document Number	0000037502
Date	Jan 26, 2022
Instrument	2022-0037502

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

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

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 30, 2018
Property Address	788 VALLEY CREST DR, OCEANSIDE, CA 92058-7404
Document Number	0000216978
Instrument Date	Oct 24, 2017
Instrument	216978
Transaction Type	Transfer
Record Updated	Nov 21, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	795 VALLEY CREST DR OCEANSIDE CA 920587403, OCEANSIDE, CA 92058-7403

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 29, 2017
Property Address	788 VALLEY CREST DR, OCEANSIDE, CA 92058-7404
Document Number	0000394948
Instrument Date	Aug 11, 2017
Instrument	394948
Transaction Type	Transfer
Record Updated	Sep 1, 2017
Title Company	PACIFIC COAST TITLE COMPANY, PACIFIC COAST TITLE CO.

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$363.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	795 VALLEY CREST DR OCEANSIDE CA 920587403, OCEANSIDE, CA 92058-7403

Mortgage

Document Number	394949
Date	Aug 29, 2017
Instrument	394949

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 28, 2047

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 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		$382,986 (+2%) Land $150,186 Building $232,800
2025	$4,248.00 (+5.2%)	$375,478 (+4.04%) Land $147,242 Building $228,236
2023	$4,038.00 (+1.53%)	$360,899 Land $141,525 Building $219,374
2022	$3,977.00

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	9 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	Moderate above 46% of the US · lower than 72% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect 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 343 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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