San Diego County property record for 308 Montego Bay, Oceanside, CA 92057 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 1989 |
| Square Footage | 1,641 sqft Living Area |
| Lot Size | 10,003 sqft (0.23 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $399,000 (2016) |
| Tax Bill | $7,574.00 (2025) |
| Primary APN | 122-391-09-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 1,641 sqft Living Area |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Lot Area | 10,003 sqft (0.23 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Carport Garage |
| Carport | Carport |
| Street Address | 308 MONTEGO BAY |
|---|---|
| City | OCEANSIDE |
| State | CA |
| Zip | 92057-4209 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 382 TR 011776 |
| Legal Subdivision | WHELAN RANCH |
| Legal Tract | 011776 |
| Legal Block | 1 |
| Legal Lot Number | 382 |
| Jurisdiction | SAN DIEGO CA |
| Minor Civil Division | OCEANSIDE-ESCONDIDO |
| Census Blockgroup | 1 |
| Census Block | 1004 |
| Census Tract | 18609 |
Source: San Diego County records · APN 122-391-09-00
Assessment roll updated July 21, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 308 MONTEGO BAY, OCEANSIDE, CA 92057-4209 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is a Company |
| Vesting | Owner is a Trust, Living Trust |
| Date | Document |
|---|---|
| Apr 04, 2022 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Dec 20, 2021 | Intrafamily Transfer, Transfer ACCOMMODATION |
| Dec 20, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jan 12, 2021 | Deed of Trust, Mortgage · Building or Construction Mortgage GUILD MORTGAGE CO |
| Mar 02, 2021 | Intrafamily Transfer, Transfer |
| Jan 17, 2020 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage QUICKEN LNS |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 07, 2016 · Amount on Record |
| Deed Sale | Mar 07, 2016 · Amount on Record |
| Prior Sale | Mar 12, 2008 · Amount on Record |
| Deed Doc Number | 201699540 |
| Last Transfer Date | Nov 30, 2021 |
| Transfer Doc | 0000854990 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 308 MONTEGO BAY, OCEANSIDE, CA 92057-4209 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2022 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC |
| Name | Verified Name |
|---|---|
| Address | 308 MONTEGO BAY, OCEANSIDE, CA 92057-4209 |
| Document Number | 0000146126 |
|---|---|
| Date | Apr 04, 2022 |
| Instrument | 2022-0146126 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Dec 20, 2021 |
| Property Address | 308 MONTEGO BAY, OCEANSIDE, CA 92057-4209 |
| Document Number | 0000854990 |
| Instrument Date | Nov 30, 2021 |
| Instrument | 2021-0854990 |
| Transaction Type | Transfer |
| Record Updated | Jun 07, 2023 |
| Title Company | ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 308 MONTEGO BAY, OCEANSIDE, CA 92057-4209 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Dec 20, 2021 |
| Property Address | 308 MONTEGO BAY, OCEANSIDE, CA 92057-4209 |
| Document Number | 0000854988 |
| Map Reference | MAP 11776 |
| Instrument Date | Nov 30, 2021 |
| Instrument | 2021-0854988 |
| Transaction Type | Transfer |
| Record Updated | Dec 30, 2021 |
| Title Company | CORINTHIAN TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 308 MONTEGO BAY, OCEANSIDE, CA 92057-4209 |
| Document Number | 0000854989 |
|---|---|
| Date | Dec 20, 2021 |
| Instrument | 2021-0854989 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 308 MONTEGO BAY, OCEANSIDE, CA 92057-4209 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | CALIFORNIA TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 308 MONTEGO BAY, OCEANSIDE, CA 92057-4209 |
| Document Number | 0000024281 |
|---|---|
| Date | Jan 12, 2021 |
| Instrument | 2021-0024281 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92111 |
| Type | Building or Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Mar 02, 2021 |
| Property Address | 308 MONTEGO BAY, OCEANSIDE, CA 92057-4209 |
| Document Number | 0000161520 |
| Map Reference | MAP 11776 |
| Instrument Date | Feb 03, 2021 |
| Instrument | 2021-0161520 |
| Transaction Type | Transfer |
| Record Updated | Jun 07, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 308 MONTEGO BAY, OCEANSIDE, CA 92057-4209 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 308 MONTEGO BAY, OCEANSIDE, CA 92057-4209 |
| Document Number | 0000038317 |
| Instrument Date | Jan 17, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 11, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 308 MONTEGO BAY OCEANSIDE CA 920574209, OCEANSIDE, CA 92057-4209 |
| Document Number | 0000038317 |
|---|---|
| Date | Jan 24, 2020 |
| Instrument | 38317 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 23, 2050 |
Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Municipality | Oceanside City |
| Unified School District | Oceanside Unified School District (KG - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $674,677 (+2%) Land $314,758 Building $359,919 | |
| 2025 | $7,574.00 (+12.07%) | $661,449 (+11.02%) Land $308,587 Building $352,862 |
| 2023 | $6,758.00 (+1.55%) | $595,766 Land $296,605 Building $299,161 |
| 2022 | $6,655.00 |
308 Montego Bay is in FEMA Zone X, outside the Special Flood Hazard Area, with indirect wildfire exposure (Low risk).
Source: FEMA National Flood Hazard Layer · San Diego County (06073C), updated September 3, 2026
| FEMA Flood Zone | Zone X moderate flood hazard · within the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Low 35th percentile of exposed land nationally · 21st in California |
|---|---|
| Wildfire Likelihood | Moderate — about 1 in 1,724 per year |
| Exposure | Indirect within ember reach of burnable land |
Values are read at the parcel center point; lenders make the official flood determination.
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