San Diego County property record for 645 Montage Rd, Oceanside, CA 92057
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,506 sqft · built 1992 |
| Lot Size | 0.111 acres (4,844 sqft) |
| Owner | Company Name on File |
| Last Sale | $240,000 (Aug 2001) |
| Tax Bill | $3,970 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage Feb 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 161-692-10-00 |
| Primary APN | 161-692-10-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,506 sqft Living Area |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Lot Area | 4,844 sqft (0.111 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 645 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 10 TR 012486 |
| Legal Subdivision | RANCHO DEL ORO INDUST PARK |
| Legal Tract | 012486 |
| Legal Block | 1 |
| Legal Lot Number | 10 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | OCEANSIDE-ESCONDIDO |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 18525 |
645 Montage Rd is owned by a company that acquired it in January 2021 and is owner-occupied.
Source: San Diego County records, as of July 28, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 645 MONTAGE RD, OCEANSIDE, CA 92057-6370 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
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 |
|---|---|
| Jan 11, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage MOVEMENT MORTGAGE |
| Feb 27, 2019 | Deed of Trust, Mortgage · Conventional Mortgage MR COOPER |
| Feb 13, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Feb 1, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 8, 2001 · Amount on File |
| Deed Sale | Aug 8, 2001 · Amount on File |
| Prior Sale | Sep 6, 1991 · Amount on File |
| Deed Document Number | 2001559347 |
| Last Transfer Date | Jan 5, 2021 |
| Transfer Doc | 0000020283 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Jan 11, 2021 |
| Property Address | 645 MONTAGE RD, OCEANSIDE, CA 92057-6370 |
| Document Number | 0000020283 |
| Map Reference | MAP 12486 |
| Instrument Date | Jan 5, 2021 |
| Instrument | 2021-0020283 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Title Company | FIDELITY NATL TTL SAN DIEGO |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 646 MONTAGE RD, OCEANSIDE, CA 92057-6369 |
| Document Number | 0000020284 |
|---|---|
| Date | Jan 11, 2021 |
| Instrument | 2021-0020284 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Feb 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 645 MONTAGE RD, OCEANSIDE, CA 92057-6370 |
| Document Number | 0000080710 |
| Instrument Date | Feb 27, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 645 MONTAGE RD OCEANSIDE CA 920576370, OCEANSIDE, CA 92057-6370 |
| Document Number | 0000080710 |
|---|---|
| Date | Mar 6, 2019 |
| Instrument | 80710 |
| Name | MR COOPER |
|---|---|
| Address | DALLAS, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Mar 5, 2039 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Feb 13, 2019 |
| Property Address | 645 MONTAGE RD, OCEANSIDE, CA 92057-6370 |
| Document Number | 0000052820 |
| Instrument Date | Jan 31, 2019 |
| Instrument | 52820 |
| Transaction Type | Transfer |
| Record Updated | Feb 21, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 900 PIER VIEW WAY OCEANSIDE CA 920542839, OCEANSIDE, CA 92054-2839 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Feb 1, 2019 |
| Property Address | 645 MONTAGE RD, OCEANSIDE, CA 92057-6370 |
| Document Number | 0000037362 |
| Instrument Date | Jan 28, 2018 |
| Instrument | 37362 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 645 MONTAGE RD OCEANSIDE CA 920576370, OCEANSIDE, CA 92057-6370 |
The 2025 property tax bill for 645 Montage Rd was $3,970 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 | $361,463 (+2%) Land $165,740 Building $195,723 | |
| 2025 | $3,970.00 Homeowner's exemption | $354,377 Land $162,491 Building $191,886 |
| 2023 | $3,657.00 (+0.3%) Homeowner's exemption | $340,618 Land $156,182 Building $184,436 |
| 2022 | $3,646.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 645 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 645 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 |
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