San Diego County property record for 312 Montego Bay, Oceanside, CA 92057 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 4 ba · 2,807 sqft · built 1989 |
| Lot Size | 0.272 acres (11,844 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $380,000 (Apr 2009) |
| Tax Bill | $5,639 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Feb 2018 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 122-391-10-00 |
| Primary APN | 122-391-10-00 |
|---|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 4 Baths |
| Building Area | 2,807 sqft Living Area |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Lot Area | 11,844 sqft (0.272 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 3 Parking Spaces |
| Street Address | 312 MONTEGO BAY |
|---|---|
| City | OCEANSIDE |
| State | CA |
| Zip | 92057-4209 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 381 TR 011776 |
| Legal Subdivision | WHELAN RANCH |
| Legal Tract | 011776 |
| Legal Block | 1 |
| Legal Lot Number | 381 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | OCEANSIDE-ESCONDIDO |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 18609 |
Source: San Diego County records · APN 122-391-10-00
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 312 MONTEGO BAY, OCEANSIDE, CA 92057-4209 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jun 24, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ANCHOR FUNDING INC |
| Feb 12, 2018 | Intrafamily Transfer, Transfer · Conventional Mortgage ANCHOR FUNDING INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 03, 2009 · Amount on Record |
| Deed Sale | Apr 03, 2009 · Amount on Record |
| Prior Sale | Sep 24, 2008 · Amount on Record |
| Deed Document Number | 2009170245 |
| Last Transfer Date | Jan 31, 2018 |
| Transfer Doc | 0000055620 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 312 MONTEGO BAY, OCEANSIDE, CA 92057-4209 |
| Transaction Type | Mortgage |
| Record Updated | Jul 05, 2021 |
| Title Company | WESTERN RESOURCES TITLE, WESTERN RESOURCES TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 312 MONTEGO BAY, OCEANSIDE, CA 92057-4209 |
| Document Number | 0000461461 |
|---|---|
| Date | Jun 24, 2021 |
| Instrument | 2021-0461461 |
| Name | ANCHOR FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92122 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Feb 12, 2018 |
| Property Address | 312 MONTEGO BAY, OCEANSIDE, CA 92057-4209 |
| Document Number | 0000055620 |
| Map Reference | MAP 11776 |
| Instrument Date | Jan 31, 2018 |
| Instrument | 2018-0055620 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Title Company | WESTERN RESOURCES TITLE COMP |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 312 MONTEGO BAY, OCEANSIDE, CA 92057-4209 |
| Document Number | 0000055621 |
|---|---|
| Date | Feb 12, 2018 |
| Instrument | 2018-0055621 |
| Name | ANCHOR FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2048 |
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 | $499,118 (+2%) Land $197,019 Building $302,099 | |
| 2025 | $5,639.00 (+5.17%) | $489,332 (+4.04%) Land $193,156 Building $296,176 |
| 2023 | $5,362.00 (+1.53%) | $470,332 Land $185,656 Building $284,676 |
| 2022 | $5,281.00 |
Source: FEMA National Flood Hazard Layer, San Diego County (06073C), updated September 3, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060730186091, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Moderate |
| 500-Year Floodplain | Yes |
| Flood Insurance Cost | Premium on Record median of 6 individual NFIP policies nearby |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 6 in force 4 of 6 on primary residences |
| Nearby Flood Claims | 2 (1998–2018) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Nov 2018, alluvial fan flooding |
| Wildfire Risk | Low above 35% of the US · above 21% of California |
|---|---|
| Wildfire Likelihood | About 1 in 1,724 per year |
| Exposure | Indirect within ember reach |
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.
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