San Diego County property record for 837 Rio Claro Ct, Oceanside, CA 92057
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,180 sqft · built 1989 |
| Lot Size | 0.301 acres (13,091 sqft) |
| Owner | Individual Name on File |
| Last Sale | $750,000 (Jan 2020) |
| Tax Bill | $9,401 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage Jun 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 159-031-45-00 |
| Primary APN | 159-031-45-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,180 sqft Living Area |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Lot Area | 13,091 sqft (0.301 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 3 Parking Spaces |
| Old Parcel Number | 1590313900 |
|---|---|
| Street Address | 837 RIO CLARO CT |
| City | OCEANSIDE |
| State | CA |
| Zip | 92057-6323 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RE-B-SP |
| Legal Description | LOT 204 PAR 4C PER D88-155764 IN LOT 203&IN TR 010208 |
| Legal Subdivision | LARK PLACE |
| Legal Tract | 010208 |
| Legal Block | 1 |
| Legal Lot Number | 203,2 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | OCEANSIDE-ESCONDIDO |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 18525 |
837 Rio Claro Ct is owned and occupied by an individual who bought it in January 2020.
Source: San Diego County records, as of July 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 837 RIO CLARO CT, OCEANSIDE, CA 92057-6323 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 23, 2026 | Deed of Trust, Mortgage · Conventional Mortgage CHAMPIONS FUNDING LLC |
| Jun 21, 2022 | Deed of Trust, Mortgage · Conventional Mortgage CATHAY BANK |
| Jan 30, 2020 | Grant Deed, Transfer · Conventional Mortgage CATHAY BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 30, 2020 · Amount on File |
| Deed Sale | Jan 30, 2020 · Amount on File |
| Prior Sale | Apr 23, 1996 |
| Deed Document Number | 202049869 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 837 RIO CLARO CT, OCEANSIDE, CA 92057-6323 |
| Transaction Type | Mortgage |
| Record Updated | Mar 4, 2026 |
| Title Company | WFT NATIONAL TITLE, WFG NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 837 RIO CLARO CT, OCEANSIDE, CA 92057-6323 |
| Investor | Possibly a Property Investor |
| Document Number | 0000048891 |
|---|---|
| Date | Feb 23, 2026 |
| Instrument | 2026-0048891 |
| Name | CHAMPIONS FUNDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | GILBERT, AZ 85297 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 837 RIO CLARO CT, OCEANSIDE, CA 92057-6323 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2022 |
| Title Company | FIDELITY NATL TTL SAN DIEGO |
| Name | Verified Name |
|---|---|
| Address | 837 RIO CLARO CT, OCEANSIDE, CA 92057-6323 |
| Document Number | 0000256040 |
|---|---|
| Date | Jun 21, 2022 |
| Instrument | 2022-0256040 |
| Name | CATHAY BANK |
|---|---|
| Type | Bank |
| Address | EL MONTE, CA 91731 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jul 1, 2037 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Jan 30, 2020 |
| Property Address | 837 RIO CLARO CT, OCEANSIDE, CA 92057-6323 |
| Document Number | 0000049869 |
| Map Reference | MAP 10208 |
| Instrument Date | Dec 6, 2019 |
| Instrument | 2020-0049869 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 837 RIO CLARO CT, OCEANSIDE, CA 92057-6323 |
| Investor | Possibly a Property Investor |
| Document Number | 0000049870 |
|---|---|
| Date | Jan 30, 2020 |
| Instrument | 2020-0049870 |
| Name | CATHAY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.25% |
| Type Change Date | Feb 1, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 10.2% |
| Index | 1-Year CMT |
| Max Rate | 10.2% |
The 2025 property tax bill for 837 Rio Claro Ct was $9,401 with a homeowner's exemption.
Source: San Diego County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Municipality | Oceanside City |
| Unified School District | Vista Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $1,029,633 (+25.53%) Land $222,208 Building $807,425 | |
| 2025 | $9,401.00 Homeowner's exemption | $820,229 Land $217,851 Building $602,378 |
| 2023 | $8,662.00 (+0.25%) Homeowner's exemption | $788,381 Land $209,393 Building $578,988 |
| 2022 | $8,640.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 837 Rio Claro 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.
The area around 837 Rio Claro 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 522 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 / 35 |
| San Diego Broadband Fixed Wireless | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
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