521 Calle Montecito, Unit 105, Oceanside, CA 92057 Property Records

San Diego County property record for 521 Calle Montecito, Unit 105, 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	$372,500 (Mar 2023)
Tax Bill	$4,376 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Jun 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`157-560-10-33`

Property Details

APN / Parcel Number

Primary APN	`157-560-10-33`

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	521 CALLE MONTECITO, 105
City	OCEANSIDE
State	CA
Zip	92057-5276
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RM-C
Legal Description	LOT 5 US105PER 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	1170 LITA LN, VISTA, CA 92084-7235
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 7, 2023	Grant Deed, Transfer · Conventional Mortgage SSM FUNDING INC
Jun 29, 2017	Deed of Trust, Mortgage · Commercial Mortgage REGENTS BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 7, 2023 · Amount on Record
Deed Sale	Mar 7, 2023 · Amount on Record
Prior Sale	Nov 25, 2008 · Amount on Record
Deed Document Number	202358369
Prior Transfer Date	Feb 22, 2012
Prior Transfer Doc	0000110271
Record Updated	Oct 29, 2026

March 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 7, 2023
Property Address	521 CALLE MONTECITO UNIT 105, 105, OCEANSIDE, CA 92057-5276
Document Number	0000058369
Map Reference	MAP 9806
Instrument Date	Feb 14, 2023
Instrument	2023-0058369
Transaction Type	Transfer
Record Updated	Mar 16, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TTL SAN DIEGO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	Joint Tenants
Address	1170 LITA LN, VISTA, CA 92084-7235

Mortgage

Document Number	0000058370
Date	Mar 7, 2023
Instrument	2023-0058370

Lender

Name	SSM FUNDING INC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	521 CALLE MONTECITO UNIT 105, 105, OCEANSIDE, CA 92057-5276
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	CHICAGO TITLE COMPANY SD

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000293690
Date	Jun 29, 2017
Instrument	2017-0293690

Lender

Name	REGENTS BANK NA
Type	Bank
Address	VISTA, CA 92083

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

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		$395,297 (+2%) Land $221,667 Building $173,630
2025	$4,376.00 (+190.38%)	$387,547 (+192.65%) Land $217,321 Building $170,226
2023	$1,507.00 (+1.55%)	$132,426 Land $74,259 Building $58,167
2022	$1,484.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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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