San Diego County property record for 525 Calle Montecito, Unit 124, Oceanside, CA 92057
| 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 | $445,000 (Jun 2024) |
| Tax Bill | $5,117 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage Sep 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 157-560-10-52 |
| Primary APN | 157-560-10-52 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 856 sqft Living Area |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Condo/Apartment |
| Lot Area | 303,705 sqft |
| View / Lot | Lake |
| Street Address | 525 CALLE MONTECITO, 124 |
|---|---|
| City | OCEANSIDE |
| State | CA |
| Zip | 92057-5280 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | RM-C |
| Legal Description | LOT 5 US124PER 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 |
Source: San Diego County records · APN 157-560-10-52
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 Record | Individual Name on File |
|---|---|
| Mailing Address | 5072 REBEL RD, SAN DIEGO, CA 92117-1219 |
| Owner Type | Individual |
| Vesting | Single Man |
| Date | Document |
|---|---|
| Nov 04, 2025 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Sep 10, 2021 | Deed of Trust, Mortgage · VA Mortgage HOME POINT FINANCIAL CORPORATION |
| Jul 08, 2020 | Grant Deed, Transfer · VA Mortgage MORTGAGE ONE |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 10, 2024 · Amount on Record |
| Deed Sale | Jun 10, 2024 · Amount on Record |
| Prior Sale | Jul 08, 2020 · Amount on Record |
| Deed Document Number | 2024145424 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 525 CALLE MONTECITO UNIT 124, 124, OCEANSIDE, CA 92057-5280 |
| Transaction Type | Mortgage |
| Record Updated | Nov 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 525 CALLE MONTECITO 124, 124, OCEANSIDE, CA 92057-5280 |
| Document Number | 0000310410 |
|---|---|
| Date | Nov 04, 2025 |
| Instrument | 2025-0310410 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 01, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 525 CALLE MONTECITO UNIT 124, 124, OCEANSIDE, CA 92057-5280 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2022 |
| Title Company | PACIFIC COAST TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 525 CALLE MONTECITO 124, 124, OCEANSIDE, CA 92057-5280 |
| Document Number | 0000642021 |
|---|---|
| Date | Sep 10, 2021 |
| Instrument | 2021-0642021 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | PARSIPPANY, NJ 07054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Jul 08, 2020 |
| Property Address | 525 CALLE MONTECITO UNIT 124, 124, OCEANSIDE, CA 92057-5280 |
| Document Number | 0000358014 |
| Instrument Date | Jun 02, 2020 |
| Instrument | 358014 |
| Transaction Type | Transfer |
| Record Updated | Jul 20, 2020 |
| Title Company | FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NAT'L TITLE SAN DIEGO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $286.00 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 525 CALLE MONTECITO #124 OCEANSIDE CA 920575280, 124, OCEANSIDE, CA 92057-5280 |
| Document Number | 358015 |
|---|---|
| Date | Jul 08, 2020 |
| Instrument | 358015 |
| Name | MORTGAGE ONE |
|---|---|
| Type | Mortgage Company |
| Address | CARLSBAD, CA 92008 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 07, 2050 |
Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Municipality | Oceanside City |
| Unified School District | Oceanside Unified School District (KG - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $462,976 (+2%) Land $356,141 Building $106,835 | |
| 2025 | $5,117.00 (+308.38%) | $453,899 (+67.8%) Land $349,158 Building $104,741 |
| 2023 | $1,253.00 (-5.22%) | $270,501 Land $208,080 Building $62,421 |
| 2022 | $1,322.00 |
Source: FEMA National Flood Hazard Layer as of September 3, 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| 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 are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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: California Internet, T-Mobile USA.
Based on FCC filings for 681 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF OCEANSIDE serves 174,340 people |
|---|---|
| Water Source | Purchased surface water from several systems |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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