530 Calle Montecito, Unit 146, Oceanside, CA 92057 Property Records

San Diego County property record for 530 Calle Montecito, Unit 146, 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	2 Individual Names on Record
Last Sale	$405,000 (Feb 2025)
Tax Bill	$1,556 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Jul 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`157-560-10-74`

Property Details

APN / Parcel Number

Primary APN	`157-560-10-74`

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	530 CALLE MONTECITO, 146
City	OCEANSIDE
State	CA
Zip	92057-5284
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RM-C
Legal Description	LOT 5 US146PER 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	2 Individual Names on Record
Mailing Address	530 CALLE MONTECITO, 146, OCEANSIDE, CA 92057-5284
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 6, 2026	Deed of Trust, Mortgage · VA Mortgage IMPERIUM LENDING LLC
Jul 24, 2019	Deed of Trust, Mortgage · Commercial Mortgage EAST WEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 7, 2025 · Amount on Record
Deed Sale	Feb 7, 2025 · Amount on Record
Prior Sale	Mar 25, 2009 · Amount on Record
Deed Document Number	202532759
Prior Transfer Date	Jan 12, 2006
Prior Transfer Doc	0000030692
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	530 CALLE MONTECITO UNIT 146, 146, OCEANSIDE, CA 92057-5284
Transaction Type	Mortgage
Record Updated	Jan 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	530 CALLE MONTECITO, OCEANSIDE, CA 92057-5284

Mortgage

Document Number	0000002736
Date	Jan 6, 2026
Instrument	2026-0002736

Lender

Name	IMPERIUM LENDING LLC
Type	Mortgage Company
Address	TROY, MI 48084

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	530 CALLE MONTECITO UNIT 146, 146, OCEANSIDE, CA 92057-5284
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000300836
Date	Jul 24, 2019
Instrument	2019-0300836

Lender

Name	EAST WEST BANK
Type	Bank
Address	EL MONTE, CA 91731

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$413,100 (+205.56%) Land $306,000 Building $107,100
2025	$1,556.00 (+5.21%)	$135,196 (+4.04%) Land $64,379 Building $70,817
2023	$1,479.00 (+1.51%)	$129,948 Land $61,880 Building $68,068
2022	$1,457.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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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