521 Calle Montecito, Unit 108, Oceanside, CA 92057 Property Records

San Diego County property record for 521 Calle Montecito, Unit 108, 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	$436,000 (May 2022)
Tax Bill	$5,215 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Oct 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`157-560-10-36`

Property Details

APN / Parcel Number

Primary APN	`157-560-10-36`

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, 108
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 US108PER 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	521 CALLE MONTECITO, 108, OCEANSIDE, CA 92057-5276
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 31, 2022	Grant Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Oct 12, 2017	Deed of Trust, Mortgage · Conventional Mortgage MISSION FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 31, 2022 · Amount on Record
Deed Sale	May 31, 2022 · Amount on Record
Prior Sale	Nov 10, 2005 · Amount on Record
Deed Document Number	2022229069
Record Updated	Oct 29, 2026

May 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 31, 2022
Property Address	521 CALLE MONTECITO UNIT 108, 108, OCEANSIDE, CA 92057-5276
Document Number	0000229069
Map Reference	DOC 2005-0051755
Instrument Date	Mar 6, 2022
Instrument	2022-0229069
Transaction Type	Transfer
Record Updated	Jun 9, 2022
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

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
Address	521 CALLE MONTECITO UNIT 108, 108, OCEANSIDE, CA 92057-5276

Mortgage

Document Number	0000229070
Date	May 31, 2022
Instrument	2022-0229070

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	521 CALLE MONTECITO UNIT 108, 108, OCEANSIDE, CA 92057-5276
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000471235
Date	Oct 12, 2017
Instrument	2017-0471235

Lender

Name	MISSION FCU
Type	Credit Union
Address	SAN DIEGO, CA 92191

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2032

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		$471,938 (+2%) Land $324,729 Building $147,209
2025	$5,215.00 (+11.03%)	$462,685 (+9.9%) Land $318,362 Building $144,323
2023	$4,697.00 (+26.13%)	$421,000 Land $289,000 Building $132,000
2022	$3,724.00

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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