652 Montage Rd, Oceanside, CA 92057 Property Records

San Diego County property record for 652 Montage Rd, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,737 sqft · built 1992
Lot Size	0.119 acres (5,204 sqft)
Owner	2 Individual Names on Record
Last Sale	$890,000 (Mar 2026)
Tax Bill	$10,414 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage May 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`161-692-56-00`

Property Details

APN / Parcel Number

Primary APN	`161-692-56-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,737 sqft Living Area

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Lot Area	5,204 sqft (0.119 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	652 MONTAGE RD
City	OCEANSIDE
State	CA
Zip	92057-6369
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD-1 (Res)
Legal Description	LOT 56 TR 012486
Legal Subdivision	RANCHO DEL ORO INDUST PARK
Legal Tract	012486
Legal Block	1
Legal Lot Number	56
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1013
Census Tract	18525

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	652 MONTAGE RD, OCEANSIDE, CA 92057-6369
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 13, 2026	Grant Deed, Transfer · Conventional Mortgage RESIDENTIAL WHOLESALE MORTGAGE INC
May 20, 2022	Grant Deed, Transfer · Conventional Mortgage PACIFIC RESIDENTIAL MORTGAGE LLC
Sep 8, 2020	Grant Deed, Transfer · VA Mortgage STRONG HOME MORTGAGE LLC
Apr 19, 2019	Deed of Trust, Mortgage · Line of Credit MISCELLANEOUS GOVT AGCY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 13, 2026 · Amount on Record
Deed Sale	Mar 13, 2026 · Amount on Record
Prior Sale	May 20, 2022 · Amount on Record
Deed Document Number	202669822
Prior Transfer Date	Jul 15, 2003
Prior Transfer Doc	0001242151
Record Updated	Oct 29, 2026

March 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 13, 2026
Property Address	652 MONTAGE RD, OCEANSIDE, CA 92057-6369
Document Number	0000069822
Map Reference	MAP 12486
Instrument Date	Feb 13, 2026
Instrument	2026-0069822
Transaction Type	Transfer
Record Updated	Mar 23, 2026
Title Company	TICOR TITLE COMPANY/CA SAN DIEGO, TICOR TITLE CO SAN DIEGO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	652 MONTAGE RD, OCEANSIDE, CA 92057-6369

Mortgage

Document Number	0000069823
Date	Mar 13, 2026
Instrument	2026-0069823

Lender

Name	RESIDENTIAL WHOLESALE MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

May 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 20, 2022
Property Address	652 MONTAGE RD, OCEANSIDE, CA 92057-6369
Document Number	0000217494
Map Reference	MAP 12486
Instrument Date	May 9, 2022
Instrument	2022-0217494
Transaction Type	Transfer
Record Updated	May 27, 2022
Title Company	TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	652 MONTAGE RD, OCEANSIDE, CA 92057-6369

Mortgage

Document Number	0000217495
Date	May 20, 2022
Instrument	2022-0217495

Lender

Name	PACIFIC RESIDENTIAL MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

September 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 8, 2020
Property Address	652 MONTAGE RD, OCEANSIDE, CA 92057-6369
Document Number	0000521533
Map Reference	MAP 12486
Instrument Date	Aug 12, 2020
Instrument	2020-0521533
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	652 MONTAGE RD, OCEANSIDE, CA 92057-6369

Mortgage

Document Number	0000521534
Date	Sep 8, 2020
Instrument	2020-0521534

Lender

Name	STRONG HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	652 MONTAGE RD, OCEANSIDE, CA 92057-6369
Document Number	0000191223
Instrument Date	Apr 19, 2019
Transaction Type	Mortgage
Record Updated	Jun 12, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	652 MONTAGE RD OCEANSIDE CA 920576369, OCEANSIDE, CA 92057-6369

Mortgage

Document Number	0000191223
Date	May 21, 2019
Instrument	191223

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	820 FOLLIN LN SE, VIENNA, VA 22180-4907

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	May 20, 2034

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	Vista Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$936,294 (+2%) Land $519,218 Building $417,076
2025	$10,414.00 (+10.36%)	$917,937 (+11.4%) Land $509,038 Building $408,899
2024	$9,436.00 (+5.3%)
2023	$8,961.00 (+22.96%)	$824,000 Land $456,000 Building $368,000
2022	$7,288.00

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 · 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.

Wildfire

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.

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 543 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 / 2,000
San Diego Broadband Fixed Wireless	500 / 100
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

May also be available: Verizon.

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