514 Calle Montecito, Unit 78, Oceanside, CA 92057 Property Records

San Diego County property record for 514 Calle Montecito, Unit 78, Oceanside, CA 92057

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 856 sqft · built 1985
Lot Size	6.97 acres (303,705 sqft)
Owner	Individual Name on File
Last Sale	$440,000 (Sep 2022)
Tax Bill	$5,160 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`157-560-10-06`

Property Details

APN / Parcel Number

Primary APN	`157-560-10-06`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	856 sqft Living Area

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Condo/Apartment
Lot Area	303,705 sqft
View / Lot	Lake

Location & Zoning

Street Address	514 CALLE MONTECITO, 78
City	OCEANSIDE
State	CA
Zip	92057-5270
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RM-C
Legal Description	LOT 5 US 78PER DOC05-051755&UND INT IN LOT 1 THRU TR 009806
Legal Subdivision	LAKESHORE EAST
Legal Tract	009806
Legal Block	2
Legal Lot Number	5,1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2000
Census Tract	18618

Owner

Source: San Diego County assessment roll, as of July 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	514 CALLE MONTECITO, 78, OCEANSIDE, CA 92057-5270
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2022	Grant Deed, Transfer · VA Mortgage CROSSCOUNTRY MORTGAGE LLC
Sep 30, 2021	Grant Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 1, 2022 · Amount on Record
Deed Sale	Sep 1, 2022 · Amount on Record
Prior Sale	Sep 30, 2021 · Amount on Record
Deed Document Number	2022349514
Record Updated	Sep 20, 2026

September 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 1, 2022
Property Address	514 CALLE MONTECITO UNIT 78, 78, OCEANSIDE, CA 92057-5270
Document Number	0000349514
Map Reference	MAP 9806
Instrument Date	Jul 28, 2022
Instrument	2022-0349514
Transaction Type	Transfer
Record Updated	Jan 19, 2023
Title Company	TICOR TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	514 CALLE MONTECITO UNIT 78, 78, OCEANSIDE, CA 92057-5270

Mortgage

Document Number	0000349515
Date	Sep 1, 2022
Instrument	2022-0349515

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2052

September 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 30, 2021
Property Address	514 CALLE MONTECITO UNIT 78, 78, OCEANSIDE, CA 92057-5270
Document Number	0000685664
Map Reference	MAP 9806
Instrument Date	Sep 7, 2021
Instrument	2021-0685664
Transaction Type	Transfer
Record Updated	Jan 19, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TTL SAN DIEGO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	514 CALLE MONTECITO UNIT 78, 78, OCEANSIDE, CA 92057-5270

Mortgage

Document Number	0000685665
Date	Sep 30, 2021
Instrument	2021-0685665

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 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		$466,928 (+2%) Land $244,723 Building $222,205
2025	$5,160.00 (+1.94%)	$457,774 (+4.04%) Land $239,925 Building $217,849
2024	$5,062.00 (+3.16%)
2023	$4,907.00 (+24.89%)	$440,000 Land $230,609 Building $209,391
2022	$3,929.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 3, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 96% of California
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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 681 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
San Diego Broadband Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

May also be available: California Internet, T-Mobile USA.

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