San Diego County property record for 637 Montage Rd, Oceanside, CA 92057
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,712 sqft · built 1992 |
| Lot Size | 0.175 acres (7,633 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $910,000 (Jul 2021) |
| Tax Bill | $10,875 (2025) |
| Deeds & Mortgages | Jul 2021 Sale & Mortgage Jun 2021 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 161-692-12-00 |
| Primary APN | 161-692-12-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,712 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Conventional |
| Exterior Material | Stucco |
| Roof Material | Tile |
| Lot Area | 7,633 sqft (0.175 acres) |
| Garage Type | Attached |
| Parking Spaces | 3 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 637 MONTAGE RD |
|---|---|
| City | OCEANSIDE |
| State | CA |
| Zip | 92057-6370 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD-1 (Res) |
| Legal Description | LOT 12 TR 012486 |
| Legal Subdivision | RANCHO DEL ORO INDUST PARK |
| Legal Tract | 012486 |
| Legal Block | 1 |
| Legal Lot Number | 12 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | OCEANSIDE-ESCONDIDO |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 18525 |
637 Montage Rd is owned and occupied by two individuals who bought it in July 2021.
Source: San Diego County records, as of July 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 637 MONTAGE RD, OCEANSIDE, CA 92057-6370 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 22, 2021 | Grant Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC |
| Jun 10, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage BROKER SOLUTIONS INC |
| Jun 22, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Jun 22, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Jun 22, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Sep 22, 2017 | Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 22, 2021 · Amount on File |
| Deed Sale | Jul 22, 2021 · Amount on File |
| Prior Sale | Sep 22, 2017 · Amount on File |
| Deed Document Number | 2021521215 |
| Prior Transfer Date | Jun 1, 2021 |
| Prior Transfer Doc | 0000430151 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Jul 22, 2021 |
| Property Address | 637 MONTAGE RD, OCEANSIDE, CA 92057-6370 |
| Document Number | 0000521215 |
| Map Reference | MAP 12486 |
| Instrument Date | Jul 8, 2021 |
| Instrument | 2021-0521215 |
| Transaction Type | Transfer |
| Record Updated | Jul 30, 2021 |
| Title Company | TICOR TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 637 MONTAGE RD, OCEANSIDE, CA 92057-6370 |
| Document Number | 0000521216 |
|---|---|
| Date | Jul 22, 2021 |
| Instrument | 2021-0521216 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Jun 10, 2021 |
| Property Address | 637 MONTAGE RD, OCEANSIDE, CA 92057-6370 |
| Document Number | 0000430151 |
| Map Reference | MAP 12486 |
| Instrument Date | Jun 1, 2021 |
| Instrument | 2021-0430151 |
| Transaction Type | Transfer |
| Record Updated | Jun 21, 2021 |
| Title Company | WFG NATIONAL TITLE COMPANY/CA, WFG NATIONAL TITLE CO OF CA |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 7850 OAKDALE AVE, WINNETKA, CA 91306-2357 |
| Document Number | 0000430152 |
|---|---|
| Date | Jun 10, 2021 |
| Instrument | 2021-0430152 |
| Name | BROKER SOLUTIONS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Jun 22, 2018 |
| Property Address | 637 MONTAGE RD, OCEANSIDE, CA 92057-6370 |
| Document Number | 0000255329 |
| Instrument Date | Jun 14, 2018 |
| Instrument | 255329 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 637 MONTAGE RD OCEANSIDE CA 920576370, OCEANSIDE, CA 92057-6370 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Jun 22, 2018 |
| Property Address | 637 MONTAGE RD, OCEANSIDE, CA 92057-6370 |
| Document Number | 0000255328 |
| Instrument Date | Jun 14, 2018 |
| Instrument | 255328 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 637 MONTAGE RD OCEANSIDE CA 920576370, OCEANSIDE, CA 92057-6370 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Jun 22, 2018 |
| Property Address | 637 MONTAGE RD, OCEANSIDE, CA 92057-6370 |
| Document Number | 0000255330 |
| Instrument Date | Jun 14, 2018 |
| Instrument | 255330 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 637 MONTAGE RD OCEANSIDE CA 920576370, OCEANSIDE, CA 92057-6370 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Sep 22, 2017 |
| Property Address | 637 MONTAGE RD, OCEANSIDE, CA 92057-6370 |
| Document Number | 0000435814 |
| Map Reference | MAP12486 |
| Instrument Date | Aug 15, 2017 |
| Instrument | 2017-0435814 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Title Company | STEWART TITLE OF CALIFORNIA |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 637 MONTAGE RD, OCEANSIDE, CA 92057-6370 |
| Document Number | 0000435815 |
|---|---|
| Date | Sep 22, 2017 |
| Instrument | 2017-0435815 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.37% |
| Type Change Date | Oct 1, 2024 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.37% |
| Index | 1-Year LIBOR |
| Max Rate | 8.37% |
The 2025 property tax bill for 637 Montage Rd was $10,875 with a homeowner's exemption.
Source: San Diego County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Municipality | Oceanside City |
| Unified School District | Vista Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $985,009 (+2%) Land $458,572 Building $526,437 | |
| 2025 | $10,875.00 Homeowner's exemption | $965,696 Land $449,581 Building $516,115 |
| 2023 | $10,012.00 (+0.26%) Homeowner's exemption | $928,199 Land $432,124 Building $496,075 |
| 2022 | $9,986.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 637 Montage Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 3, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 3 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
The area around 637 Montage Rd has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 522 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Fiber · Cable in parts of the area | 2,000 / 35 |
| San Diego Broadband Fixed Wireless | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures