356 Monte Vista Way, Oceanside, CA 92057 Property Records

San Diego County property record for 356 Monte Vista Way, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,459 sqft · built 2003
Lot Size	0.105 acres (4,589 sqft)
Owner	Company Name on File
Last Sale	$312,000 (May 2002)
Tax Bill	$3,228 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Mar 2022 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`158-730-03-00`

Property Details

APN / Parcel Number

Primary APN	`158-730-03-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,459 sqft Living Area

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Lot Area	4,589 sqft (0.105 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	356 MONTE VISTA WAY
City	OCEANSIDE
State	CA
Zip	92057-6517
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD-15
Legal Description	LOT 3 TR 014282
Legal Subdivision	RIVER RANCH NORTH
Legal Tract	014282
Legal Block	2
Legal Lot Number	3
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2000
Census Tract	18521

Owner

356 Monte Vista Way is owned by a company that acquired it in December 2018 and is owner-occupied.

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

Owner of Record	Company Name on File
Mailing Address	356 MONTE VISTA WAY, OCEANSIDE, CA 92057-6517
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

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
Jul 13, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Mar 7, 2022	Deed of Trust, Mortgage · VA Mortgage MISSION LOANS LLC
Feb 25, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
May 29, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Dec 20, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 15, 2002 · Amount on File
Deed Sale	May 15, 2002 · Amount on File
Deed Document Number	2002414357
Last Transfer Date	Dec 3, 2018
Transfer Doc	0000521997
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 13, 2026
Property Address	356 MONTE VISTA WAY, OCEANSIDE, CA 92057-6517
Document Number	0000198994
Instrument Date	Jul 8, 2026
Instrument	2026198994
Transaction Type	Mortgage
Record Updated	Jul 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust, 221

Mortgage

Document Number	0000198994,
Date	Jul 13, 2026
Instrument	2026198994

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Aug 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6.52%
Initial Type	Fixed Rate
Max Rate	-1%

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	356 MONTE VISTA WAY, OCEANSIDE, CA 92057-6517
Transaction Type	Mortgage
Record Updated	Mar 16, 2022
Title Company	CORINTHIAN TITLE-SD, CORINTHIAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	356 MONTE VISTA WAY, OCEANSIDE, CA 92057-6517

Mortgage

Document Number	0000100697
Date	Mar 7, 2022
Instrument	2022-0100697

Lender

Name	MISSION LOANS LLC
Type	Mortgage Company
Address	DIAMOND BAR, CA 91765

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	356 MONTE VISTA WAY, OCEANSIDE, CA 92057-6517
Transaction Type	Mortgage
Record Updated	Mar 5, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	356 MONTE VISTA WAY, OCEANSIDE, CA 92057-6517

Mortgage

Document Number	0000149703
Date	Feb 25, 2021
Instrument	2021-0149703

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	OCEANSIDE, CA 92057

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	356 MONTE VISTA WAY, OCEANSIDE, CA 92057-6517
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000273700
Date	May 29, 2020
Instrument	2020-0273700

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	318 Months
Due	Nov 1, 2046

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 20, 2018
Property Address	356 MONTE VISTA WAY, OCEANSIDE, CA 92057-6517
Document Number	0000521997
Instrument Date	Dec 3, 2018
Instrument	521997
Transaction Type	Transfer
Record Updated	Dec 28, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	356 MONTE VISTA WAY OCEANSIDE CA 920576517, OCEANSIDE, CA 92057-6517

Tax Assessment & Valuation

The 2025 property tax bill for 356 Monte Vista Way was $3,228 with a veteran'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		$469,861 (+2%) Land $188,347 Building $281,514
2025	$3,228.00	$460,649 Land $184,654 Building $275,995
2023	$3,150.00 (-6.17%)	$442,764 Land $177,485 Building $265,279
2022	$3,357.00

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

Flood

FEMA maps place 356 Monte Vista 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
Flood Insurance Cost	Premium on File median of 16 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	16 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 356 Monte Vista 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 829 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
Starlink Satellite	280 / 30
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks, T-Mobile, Verizon.

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