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525 Calle Montecito, Unit 125, Oceanside, CA 92057 Property Records

San Diego County property record for 525 Calle Montecito, Unit 125, Oceanside, CA 92057

Property Summary

Property TypeCondominium
Details2 bd · 2 ba · 856 sqft · built 1985
Lot Size6.97 acres (303,705 sqft)
OwnerIndividual Name on Record
Last Sale$448,000 (Sep 2024)
Tax Bill$5,051 (2025)
Deeds & MortgagesOct 2025 Mortgage
Dec 2023 Transfer
+ 3 more
Flood ZoneZone X (minimal risk)
APN157-560-10-53

Property Details

APN / Parcel Number

Primary APN157-560-10-53

Interior

Bedrooms2 Beds
Full Baths2 Baths
Building Area856 sqft Living Area

Exterior

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

Location & Zoning

Street Address525 CALLE MONTECITO, 125
CityOCEANSIDE
StateCA
Zip92057-5280
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Local Zoning CodeRM-C
Legal DescriptionLOT 5 US125PER 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, as of July 21, 2026

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

Owner of RecordIndividual Name on Record
Mailing Address12592 RANCHERO WAY, GARDEN GROVE, CA 92843-3025
Owner TypeIndividual
VestingUnmarried Man

Deeds, Mortgages & Sale History

DateDocument
Oct 17, 2025Deed of Trust, Mortgage · VA Mortgage
UMORTGAGE LLC
Dec 5, 2023Intrafamily Transfer, Transfer
Apr 12, 2022Intrafamily Transfer, Transfer
Oct 15, 2021Intrafamily Transfer, Transfer · Conventional Mortgage
HOME POINT FINANCIAL CORPORATION
Dec 23, 2019Grant Deed, Transfer · Conventional Mortgage
HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed NamesName on Deed
Last SaleSep 6, 2024 · Amount on Record
Deed SaleSep 6, 2024 · Amount on Record
Prior SaleDec 23, 2019 · Amount on Record
Deed Document Number2024240732
Prior Transfer DateDec 1, 2023
Prior Transfer Doc0000334150
Record UpdatedSep 20, 2026

October 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSAN DIEGO CA
Property Address525 CALLE MONTECITO UNIT 125, 125, OCEANSIDE, CA 92057-5280
Transaction TypeMortgage
Record UpdatedOct 28, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address525 CALLE MONTECITO 125, 125, OCEANSIDE, CA 92057-5280

Mortgage

Document Number0000291454
DateOct 17, 2025
Instrument2025-0291454
Lender
NameUMORTGAGE LLC
TypeMortgage Company
AddressPHILADELPHIA, PA 19103
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueNov 1, 2055

December 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSAN DIEGO CA
Recording DateDec 5, 2023
Property Address525 CALLE MONTECITO UNIT 125, 125, OCEANSIDE, CA 92057-5280
Document Number0000334150
Map ReferenceMAP 9806
Instrument DateDec 1, 2023
Instrument2023-0334150
Transaction TypeTransfer
Record UpdatedDec 13, 2023

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address242 NEWPORT PIER WAY, OCEANSIDE, CA 92054-4866

April 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSAN DIEGO CA
Recording DateApr 12, 2022
Property Address525 CALLE MONTECITO UNIT 125, 125, OCEANSIDE, CA 92057-5280
Document Number0000160768
Map ReferenceMAP 9806
Instrument DateApr 12, 2022
Instrument2022-0160768
Transaction TypeTransfer
Record UpdatedJun 7, 2023

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLiving Trust
Address242 NEWPORT PIER WAY, OCEANSIDE, CA 92054-4866

October 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionSAN DIEGO CA
Recording DateOct 15, 2021
Property Address525 CALLE MONTECITO UNIT 125, 125, OCEANSIDE, CA 92057-5280
Document Number0000719848
Map ReferenceDOC 05-51755
Instrument DateOct 12, 2021
Instrument2021-0719848
Transaction TypeTransfer
Record UpdatedJul 25, 2022
Title CompanyLAWYERS TITLE

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address242 NEWPORT PIER WAY, OCEANSIDE, CA 92054-4866

Mortgage

Document Number0000719849
DateOct 15, 2021
Instrument2021-0719849
Lender
NameHOME POINT FINANCIAL CORPORATION
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 1, 2051

December 2019: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionSAN DIEGO CA
Recording DateDec 23, 2019
Property Address525 CALLE MONTECITO UNIT 125, 125, OCEANSIDE, CA 92057-5280
Document Number0000599020
Map ReferenceMAP 9806
Instrument DateDec 5, 2019
Instrument2019-0599020
Transaction TypeTransfer
Record UpdatedJul 25, 2022
Title CompanyFIRST AMERICAN TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
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
Address525 CALIE MONTECITO # 125, 125, OCEANSIDE, CA 92057-5280

Mortgage

Document Number0000599021
DateDec 23, 2019
Instrument2019-0599021
Lender
NameHOME POINT FINANCIAL CORPORATION
TypeLending Institution
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJan 1, 2050

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed Value
2026$456,959 (+2%) Land $281,314 Building $175,645
2025$5,051.00 (+64.9%)$448,000 (+63.98%) Land $275,799 Building $172,201
2023$3,063.00 (+1.52%)$273,198 Land $168,187 Building $105,011
2022$3,017.00

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot 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 RiskLow
lower than 93% of the US · lower than 96% of California
Wildfire Likelihood0.02% annual chance
ExposureNone
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 SystemCITY OF OCEANSIDE
serves 174,340 people · EPA ID CA3710014
Water SourcePurchased surface water from several systems
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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