518 Calle Montecito, Unit 98, Oceanside, CA 92057 Property Records

San Diego County property record for 518 Calle Montecito, Unit 98, 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 Record
Last Sale	$230,000 (Nov 2018)
Tax Bill	$2,834 (2025)
Deeds & Mortgages	May 2020 Mortgage Nov 2018 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`157-560-10-26`

Property Details

APN / Parcel Number

Primary APN	`157-560-10-26`

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	518 CALLE MONTECITO, 98
City	OCEANSIDE
State	CA
Zip	92057-5275
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RM-C
Legal Description	LOT 5 US 98PER 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	Individual Name on Record
Mailing Address	518 CALLE MONTECITO, 98, OCEANSIDE, CA 92057-5275
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 20, 2020	Quit Claim Deed, Transfer QUICKEN LNS
Nov 27, 2018	Quit Claim Deed, Transfer TICOR TITLE-SAN DIEGO
Nov 27, 2018	Grant Deed, Transfer · Conventional with PMI CALIBER HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 27, 2018 · Amount on Record
Deed Sale	Nov 27, 2018 · Amount on Record
Prior Sale	Sep 22, 2005 · Amount on Record
Deed Document Number	2018489719
Last Transfer Date	May 15, 2020
Transfer Doc	0000256047
Record Updated	Oct 29, 2026

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 20, 2020
Property Address	518 CALLE MONTECITO UNIT 98, 98, OCEANSIDE, CA 92057-5275
Document Number	0000256047
Instrument Date	May 15, 2020
Instrument	256047
Transaction Type	Transfer
Record Updated	Jun 1, 2020
Title Company	CORINTHIAN TITLE COMPANY, CORINTHIAN TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	518 CALLE MONTECITO #98 OCEANSIDE CA 920575275, 98, OCEANSIDE, CA 92057-5275

Mortgage

Document Number	256048
Date	May 20, 2020
Instrument	256048

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 19, 2050

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 27, 2018
Property Address	518 CALLE MONTECITO UNIT 98, 98, OCEANSIDE, CA 92057-5275
Document Number	0000489718
Instrument Date	Jul 23, 2018
Instrument	489718
Transaction Type	Transfer
Record Updated	Dec 6, 2018
Title Company	TICOR TITLE-SAN DIEGO

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	308 HOLLY LN CAPE CARTERET NC 285849728, CAPE CARTERET, NC 28584-9728

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 27, 2018
Property Address	518 CALLE MONTECITO UNIT 98, 98, OCEANSIDE, CA 92057-5275
Document Number	0000489719
Instrument Date	Jul 23, 2018
Instrument	489719
Transaction Type	Transfer
Record Updated	Dec 6, 2018
Title Company	TICOR TITLE INSURANCE COMPANY, TICOR TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$253.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	518 CALLE MONTECITO #98 OCEANSIDE CA 920575275, 98, OCEANSIDE, CA 92057-5275

Mortgage

Document Number	489720
Date	Nov 27, 2018
Instrument	489720

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 26, 2048

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		$261,693 (+2%) Land $170,671 Building $91,022
2025	$2,834.00 (+5.27%) Homeowner's exemption	$256,563 (+4.04%) Land $167,325 Building $89,238
2023	$2,692.00 (+1.58%) Homeowner's exemption	$246,603 Land $160,829 Building $85,774
2022	$2,650.00

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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