521 Calle Montecito, Unit 106, Oceanside, CA 92057 Property Records

San Diego County property record for 521 Calle Montecito, Unit 106, 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	$395,000 (Feb 2023)
Tax Bill	$4,637 (2025)
Deeds & Mortgages	Feb 2023 Transfer Feb 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`157-560-10-34`

Property Details

APN / Parcel Number

Primary APN	`157-560-10-34`

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, 106
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 US106PER 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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	521 CALLE MONTECITO, 106, OCEANSIDE, CA 92057-5276
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2023	Intrafamily Transfer, Transfer FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO
Feb 10, 2023	Grant Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Feb 10, 2023	Intrafamily Transfer, Transfer FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO
Dec 15, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC
Nov 28, 2018	Grant Deed, Transfer · Conventional with PMI SYNERGY ONE LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 10, 2023 · Amount on File
Deed Sale	Feb 10, 2023 · Amount on File
Prior Sale	Nov 28, 2018 · Amount on File
Deed Document Number	202335581
Prior Transfer Date	Jan 20, 2023
Prior Transfer Doc	0000035579
Record Updated	Oct 29, 2026

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 10, 2023
Property Address	521 CALLE MONTECITO UNIT 106, 106, OCEANSIDE, CA 92057-5276
Document Number	0000035579
Map Reference	MAP 9806
Instrument Date	Jan 20, 2023
Instrument	2023-0035579
Transaction Type	Transfer
Record Updated	Jun 15, 2023
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24592 MEADOW GRASS WAY, MORENO VALLEY, CA 92557-4128

February 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 10, 2023
Property Address	521 CALLE MONTECITO UNIT 106, 106, OCEANSIDE, CA 92057-5276
Document Number	0000035581
Map Reference	MAP 9806
Instrument Date	Jan 20, 2023
Instrument	2023-0035581
Transaction Type	Transfer
Record Updated	Jun 15, 2023
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

Transaction

Amount	Amount on Record
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
Address	521 CALLE MONTECITO UNIT 106, 106, OCEANSIDE, CA 92057-5276

Mortgage

Document Number	0000035582
Date	Feb 10, 2023
Instrument	2023-0035582

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2053

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 10, 2023
Property Address	521 CALLE MONTECITO UNIT 106, 106, OCEANSIDE, CA 92057-5276
Document Number	0000035580
Map Reference	MAP 9806
Instrument Date	Jan 19, 2023
Instrument	2023-0035580
Transaction Type	Transfer
Record Updated	Aug 1, 2023
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	521 CALLE MONTECITO UNIT 106, 106, OCEANSIDE, CA 92057-5276

December 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 15, 2020
Property Address	521 CALLE MONTECITO UNIT 106, 106, OCEANSIDE, CA 92057-5276
Document Number	0000806586
Map Reference	MAP 9806
Instrument Date	Nov 5, 2020
Instrument	2020-0806586
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	STEWART TITLE OF CA INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1701 RIDGE VIEW, COLTON, CA 92324-9518

Mortgage

Document Number	0000806587
Date	Dec 15, 2020
Instrument	2020-0806587

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 28, 2018
Property Address	521 CALLE MONTECITO UNIT 106, 106, OCEANSIDE, CA 92057-5276
Document Number	0000492115
Instrument Date	Oct 31, 2018
Instrument	492115
Transaction Type	Transfer
Record Updated	Dec 6, 2018
Title Company	EQUITY TITLE COMPANY, EQUITY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$251.90
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	521 CALLE MONTECITO #106 OCEANSIDE CA 920575276, 106, OCEANSIDE, CA 92057-5276

Mortgage

Document Number	492116
Date	Nov 28, 2018
Instrument	492116

Lender

Name	SYNERGY ONE LNDG
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	180 Months
Due	Nov 27, 2033

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		$419,174 (+2%) Land $210,503 Building $208,671
2025	$4,637.00 (+68.19%)	$410,956 (+67.37%) Land $206,376 Building $204,580
2023	$2,757.00 (+1.51%)	$245,531 Land $123,302 Building $122,229
2022	$2,716.00

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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