790 Sepia Ct, Oceanside, CA 92057 Property Records

San Diego County property record for 790 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	0.155 acres (6,756 sqft)
Owner	2 Individual Names on Record
Last Sale	$565,000 (Jul 2005)
Tax Bill	$8,681 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`161-691-06-00`

Property Details

APN / Parcel Number

Primary APN	`161-691-06-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,957 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Contemporary
Exterior Material	Stucco
Roof Material	Tile
Lot Area	6,756 sqft (0.155 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	790 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 30 TR 012337
Legal Subdivision	RANCHO DEL ORO INDUST PARK
Legal Tract	012337
Legal Block	1
Legal Lot Number	30
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	2 Individual Names on Record
Mailing Address	790 SEPIA CT, OCEANSIDE, CA 92057-6210
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Apr 26, 2022	Deed of Trust, Mortgage · Line of Credit NORTHPOINTE BANK
May 5, 2020	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Jul 12, 2017	Deed of Trust, Mortgage · Conventional with PMI POWER CHOICE MORTGAGE POWER CHOICE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 8, 2005 · Amount on Record
Deed Sale	Jul 8, 2005 · Amount on Record
Prior Sale	May 8, 2002 · Amount on Record
Deed Document Number	2005575685
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	790 SEPIA CT, OCEANSIDE, CA 92057-6210
Transaction Type	Mortgage
Record Updated	May 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000180823
Date	Apr 26, 2022
Instrument	2022-0180823

Lender

Name	NORTHPOINTE BANK
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 21, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	790 SEPIA CT, OCEANSIDE, CA 92057-6210
Document Number	0000240734
Instrument Date	May 5, 2020
Transaction Type	Mortgage
Record Updated	May 21, 2020
Title Company	NETCO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	790 SEPIA CT OCEANSIDE CA 920576210, OCEANSIDE, CA 92057-6210

Mortgage

Document Number	0000240734
Date	May 12, 2020
Instrument	240734

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 11, 2050

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	790 SEPIA CT, OCEANSIDE, CA 92057-6210
Document Number	0000321636
Instrument Date	Jul 12, 2017
Transaction Type	Mortgage
Record Updated	Aug 23, 2018
Title Company	WFG NATIONAL TITLE COMPANY, WFG NAT'L TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	790 SEPIA CT OCEANSIDE CA 920576210, OCEANSIDE, CA 92057-6210

Mortgage

Document Number	0000321636
Date	Jul 17, 2017
Instrument	321636

Lender

Name	POWER CHOICE MORTGAGE POWER CHOICE MORTGAGE
Address	ALISO VIEJO, CA 92656

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 16, 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		$787,494 (+2%) Land $446,015 Building $341,479
2025	$8,681.00 (+8.7%) Homeowner's exemption	$772,054 (+4.04%) Land $437,270 Building $334,784
2023	$7,986.00 (+0.26%) Homeowner's exemption	$742,077 Land $420,292 Building $321,785
2022	$7,965.00

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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