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522 Calle Montecito, Unit 120, Oceanside, CA 92057 Property Records

San Diego County property record for 522 Calle Montecito, Unit 120, Oceanside, CA 92057 · Last verified July 2026

Property Summary

Property TypeCondominium
Details2 bd · 1 ba · 806 sqft · built 1985
Lot Size6.97 acres (303,705 sqft)
Owner2 Company Names on File
Last Sale$308,000 (Jun 2021)
Tax Bill$3,771 (2025)
Deeds & MortgagesSep 2025 Transfer
Sep 2025 Transfer
+ 3 more
Flood ZoneZone X (minimal risk)
APN157-560-10-48

Property Details

APN / Parcel Number

Primary APN157-560-10-48

Interior

Bedrooms2 Beds
Full Baths1 Bath
Building Area806 sqft Living Area

Exterior

Year BuiltBuilt 1985
Effective Year BuiltEffective 1985
Architectural StyleCondo/Apartment
Lot Area303,705 sqft
View / LotLake

Location & Zoning

Street Address522 CALLE MONTECITO, 120
CityOCEANSIDE
StateCA
Zip92057-5278
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Legal DescriptionLOT 5 US120PER DOC05-051755&UND INT IN LOT 1 THRU TR 009806
Legal SubdivisionLIBBY LAKE CONDO
Legal Tract009806
Legal Block2
Legal Lot Number5,1
JurisdictionSAN DIEGO CA
Township / Civil DivisionOCEANSIDE-ESCONDIDO
Census Block Group2
Census Block2000
Census Tract18618

Owner

Source: San Diego County records · APN 157-560-10-48

Assessment roll updated July 21, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Company Names on File
Mailing Address4663 CALLE DEL PALO, OCEANSIDE, CA 92057-5218
Owner TypeCompany
VestingTrust, Family Trust

Deeds, Mortgages & Sale History

DateDocument
Sep 18, 2025Intrafamily Transfer, Transfer
Sep 18, 2025Intrafamily Transfer, Transfer
Jun 09, 2021Grant Deed, Transfer · Conventional Mortgage
HOME POINT FINANCIAL CORPORATION
Nov 09, 2020Quit Claim Deed, Transfer
FIRST AMERICAN TITLE
Oct 10, 2019Grant Deed, Transfer · Conventional Mortgage
FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJun 09, 2021 · Amount on Record
Deed SaleJun 09, 2021 · Amount on Record
Prior SaleOct 10, 2019 · Amount on Record
Deed Document Number2021427755
Prior Transfer DateOct 09, 2020
Prior Transfer Doc0000699589
Record UpdatedSep 20, 2026

September 2025: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSAN DIEGO CA
Recording DateSep 18, 2025
Property Address522 CALLE MONTECITO UNIT 120, 120, OCEANSIDE, CA 92057-5278
Document Number0000260318
Map ReferenceDOC 2005-51755
Instrument DateSep 11, 2025
Instrument2025-0260318
Transaction TypeTransfer
Record UpdatedOct 01, 2025

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address4663 CALLE DEL PALO, OCEANSIDE, CA 92057-5218

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCommunity Property with Right of Survivorship
Address4663 CALLE DEL PALO # 120, 120, OCEANSIDE, CA 92057-5218

September 2025: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSAN DIEGO CA
Recording DateSep 18, 2025
Property Address522 CALLE MONTECITO UNIT 120, 120, OCEANSIDE, CA 92057-5278
Document Number0000260319
Map ReferenceDOC 2005-51755
Instrument DateSep 11, 2025
Instrument2025-0260319
Transaction TypeTransfer
Record UpdatedOct 01, 2025

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address4663 CALLE DEL PALO, OCEANSIDE, CA 92057-5218

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipFamily Trust
Address4663 CALLE DEL PALO # 120, 120, OCEANSIDE, CA 92057-5218

June 2021: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSAN DIEGO CA
Recording DateJun 09, 2021
Property Address522 CALLE MONTECITO UNIT 120, 120, OCEANSIDE, CA 92057-5278
Document Number0000427755
Instrument DateMay 21, 2021
Instrument2021-0427755
Transaction TypeTransfer
Record UpdatedJun 18, 2021
Title CompanyLAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address522 CALLE MONTECITO UNIT 120, 120, OCEANSIDE, CA 92057-5278

Mortgage

Document Number0000427756
DateJun 09, 2021
Instrument2021-0427756
Lender
NameHOME POINT FINANCIAL CORPORATION
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJul 01, 2051

November 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSAN DIEGO CA
Recording DateNov 09, 2020
Property Address522 CALLE MONTECITO UNIT 120, 120, OCEANSIDE, CA 92057-5278
Document Number0000699589
Instrument DateOct 09, 2020
Instrument699589
Transaction TypeTransfer
Record UpdatedNov 17, 2020
Title CompanyFIRST AMERICAN TITLE

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address1802 CYPRESS DR EL CENTRO CA 922434342, EL CENTRO, CA 92243-4342

October 2019: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSAN DIEGO CA
Recording DateOct 10, 2019
Property Address522 CALLE MONTECITO UNIT 120, 120, OCEANSIDE, CA 92057-5278
Document Number0000456186
Map ReferenceMAP 9806
Instrument DateSep 26, 2019
Instrument2019-0456186
Transaction TypeTransfer
Record UpdatedAug 23, 2022
Title CompanyFIRST AMERICAN TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address522 CALLE MONTICELO # 120, 120, OCEANSIDE, CA 92057

Mortgage

Document Number0000456187
DateOct 10, 2019
Instrument2019-0456187
Lender
NameFINANCE OF AMERICA MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2049

Tax Assessment & Valuation

Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateCalifornia
CountySan Diego County
MunicipalityOceanside City
Unified School DistrictOceanside Unified School District (KG - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes and is not a market price estimate.

YearTax BillAssessed Value
2026$340,054 (+2%) Land $242,896 Building $97,158
2025$3,771.00 (+5.19%)$333,387 (+4.04%) Land $238,134 Building $95,253
2023$3,585.00 (+1.53%)$320,443 Land $228,888 Building $91,555
2022$3,531.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, San Diego County (06073C), updated September 3, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 681 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Cox CommunicationsCable2,000 / 100
San Diego BroadbandFixed Wireless (unlicensed)500 / 100
VerizonFixed Wireless300 / 20
AT&TDSL100 / 20
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: T-Mobile USA, California Internet. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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