517 Calle Montecito, Unit 88, Oceanside, CA 92057 Property Records

San Diego County property record for 517 Calle Montecito, Unit 88, 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	2 Individual Names on Record
Last Sale	$410,000 (Mar 2022)
Tax Bill	$4,829 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`157-560-10-16`

Property Details

APN / Parcel Number

Primary APN	`157-560-10-16`

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	517 CALLE MONTECITO, 88
City	OCEANSIDE
State	CA
Zip	92057-5255
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RM-C
Legal Description	LOT 5 US 88PER DOC05-051755&UND INT IN LOT 1 THRU TR 009806
Legal Subdivision	LIBBY LAKE CONDO
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 records, as of July 28, 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 Record
Mailing Address	517 CALLE MONTECITO, 88, OCEANSIDE, CA 92057-5255
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2022	Grant Deed, Transfer · VA Mortgage FREEDOM MORTGAGE CORP
Mar 27, 2020	Grant Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 16, 2022 · Amount on Record
Deed Sale	Mar 16, 2022 · Amount on Record
Prior Sale	Apr 22, 2020 · Amount on Record
Deed Document Number	2022118403
Record Updated	Oct 29, 2026

March 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 16, 2022
Property Address	517 CALLE MONTECITO UNIT 88, 88, OCEANSIDE, CA 92057-5255
Document Number	0000118403
Map Reference	MAP 9806
Instrument Date	Mar 2, 2022
Instrument	2022-0118403
Transaction Type	Transfer
Record Updated	Mar 24, 2022
Title Company	CHICAGO 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
Relationship	Community Property with Right of Survivorship
Address	517 CALLE MONTECITO UNIT 88, 88, OCEANSIDE, CA 92057-5255

Mortgage

Document Number	0000118404
Date	Mar 16, 2022
Instrument	2022-0118404

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

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

March 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 27, 2020
Property Address	517 CALLE MONTECITO UNIT 88, 88, OCEANSIDE, CA 92057-5255
Document Number	0000160418
Instrument Date	Mar 24, 2020
Instrument	160418
Transaction Type	Transfer
Record Updated	Apr 15, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE SAN DIEGO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$297.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	517 CALLE MONTECITO #88 OCEANSIDE CA 920575255, 88, OCEANSIDE, CA 92057-5255

Mortgage

Document Number	160419
Date	Mar 27, 2020
Instrument	160419

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 26, 2050

Tax Assessment & Valuation

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		$443,796 (+2%) Land $313,269 Building $130,527
2025	$4,829.00 (+8.15%) Homeowner's exemption	$435,095 (+6.9%) Land $307,127 Building $127,968
2023	$4,465.00 (+42.52%) Homeowner's exemption	$407,000 Land $287,000 Building $120,000
2022	$3,133.00

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

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 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: GeoLinks, T-Mobile.

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