232 Monarch Way, Oceanside, CA 92057 Property Records

San Diego County property record for 232 Monarch Way, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,290 sqft · built 1986
Lot Size	0.7 acres (3,062 sqft)
Owner	Individual Name on File
Last Sale	$91,200 (Jun 1986)
Tax Bill	$1,990 (2025)
Deeds & Mortgages	Mar 2017 Mortgage Nov 2019 Line of Credit + 2 more
Flood Zone	Zone X (moderate risk)
APN	`158-422-37-00`

Property Details

APN / Parcel Number

Primary APN	`158-422-37-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,290 sqft Living Area

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Lot Area	3,062 sqft (0.7 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	232 MONARCH WAY
City	OCEANSIDE
State	CA
Zip	92057-6121
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-A
Legal Description	LOT 52 TR 010821
Legal Subdivision	WILLIAMS RANCH
Legal Tract	010821
Legal Block	2
Legal Lot Number	52
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2000
Census Tract	18520

Owner

232 Monarch Way is owned and occupied by an individual who acquired it in July 2020.

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

Owner of Record	Individual Name on File
Mailing Address	232 MONARCH WAY, OCEANSIDE, CA 92057-6121
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2017	Deed of Trust, Mortgage · ARM UNITED WHOLESALE MORTGAGE
Nov 13, 2019	Deed of Trust, Mortgage · Line of Credit MISSION FCU
Jul 15, 2020	Quit Claim Deed, Transfer QUICKEN LNS
May 20, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 26, 1986 · Amount on File
Deed Sale	Jun 26, 1986 · Amount on File
Deed Document Number	1986259704
Last Transfer Date	Jul 10, 2020
Transfer Doc	0000380202
Record Updated	Sep 20, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	232 MONARCH WAY, OCEANSIDE, CA 92057-6121
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CORINTHIAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000135181
Date	Mar 24, 2017
Instrument	2017-0135181

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Apr 1, 2022
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.75%
Index	1-Year LIBOR
Max Rate	8.75%

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	232 MONARCH WAY, OCEANSIDE, CA 92057-6121
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000521846
Date	Nov 13, 2019
Instrument	2019-0521846

Lender

Name	MISSION FCU
Type	Credit Union
Address	SAN DIEGO, CA 92191

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Nov 30, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 15, 2020
Property Address	232 MONARCH WAY, OCEANSIDE, CA 92057-6121
Document Number	0000380202
Instrument Date	Jul 10, 2020
Instrument	380202
Transaction Type	Transfer
Record Updated	Jul 24, 2020
Title Company	CORINTHIAN TITLE COMPANY, CORINTHIAN TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 MONARCH WAY OCEANSIDE CA 920576121, OCEANSIDE, CA 92057-6121

Mortgage

Document Number	380203
Date	Jul 15, 2020
Instrument	380203

Lender

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

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 14, 2050

May 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	May 20, 2019
Property Address	232 MONARCH WAY, OCEANSIDE, CA 92057-6121
Document Number	0000190632
Map Reference	MAP 10821
Instrument Date	May 14, 2019
Instrument	2019-0190632
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	CORINTHIAN TITLE COMPANY INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 MONARCH WAY, OCEANSIDE, CA 92057-6121

Mortgage

Document Number	0000190633
Date	May 20, 2019
Instrument	2019-0190633

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 232 Monarch Way was $1,990 with a homeowner's exemption.

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	Oceanside Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$185,199 (+2%) Land $56,797 Building $128,402
2025	$1,990.00 Homeowner's exemption	$181,569 Land $55,684 Building $125,885
2023	$1,888.00 (+1.61%) Homeowner's exemption	$174,521 Land $53,523 Building $120,998
2022	$1,858.00

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

Flood

FEMA maps place 232 Monarch Way in Zone X, an area of moderate 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	2 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 232 Monarch Way 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 1,047 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

May also be available: GeoLinks, San Diego Broadband.

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