656 Montage Rd, Oceanside, CA 92057 Property Records

San Diego County property record for 656 Montage Rd, Oceanside, CA 92057 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,957 sqft · built 1992
Lot Size	0.119 acres (5,173 sqft)
Owner	2 Company Names on File
Last Sale	$940,000 (May 2024)
Tax Bill	$10,876 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Mar 2026 Transfer + 11 more
Flood Zone	Zone X (minimal risk)
APN	`161-692-57-00`

Property Details

APN / Parcel Number

Primary APN	`161-692-57-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,957 sqft Living Area

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Lot Area	5,173 sqft (0.119 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	656 MONTAGE RD
City	OCEANSIDE
State	CA
Zip	92057-6371
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 57 TR 012486
Legal Subdivision	RANCHO DEL ORO INDUST PARK
Legal Tract	012486
Legal Block	1
Legal Lot Number	57
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 · APN 161-692-57-00

Assessment roll updated July 21, 2026 · Last verified July 2026

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

Owner of Record	2 Company Names on File
Mailing Address	656 MONTAGE RD, OCEANSIDE, CA 92057-6371
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2026	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Mar 13, 2026	Intrafamily Transfer, Transfer
Mar 13, 2026	Intrafamily Transfer, Transfer
Dec 08, 2025	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Sep 17, 2025	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
May 10, 2024	Grant Deed, Transfer · Conventional Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU
Sep 02, 2022	Grant Deed, Transfer · FHA Mortgage UMC MORTGAGE CO
Aug 06, 2021	Intrafamily Transfer, Transfer · VA Mortgage 1ST RATE HOME MORTGAGE INC
Aug 08, 2019	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Nov 10, 2020	Deed of Trust, Mortgage · VA Mortgage CALIBER HOME LOANS INC
Jun 18, 2018	Quit Claim Deed, Transfer Quitclaim
Oct 25, 2017	Quit Claim Deed, Transfer FIDELITY NATIONAL TITLE
Oct 25, 2017	Grant Deed, Transfer · VA Mortgage MICHIGAN MUTUAL

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 10, 2024 · Amount on Record
Deed Sale	May 10, 2024 · Amount on Record
Prior Sale	Sep 02, 2022 · Amount on Record
Deed Document Number	2024118324
Last Transfer Date	Feb 11, 2026
Transfer Doc	0000069356
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	656 MONTAGE RD, OCEANSIDE, CA 92057-6371
Transaction Type	Mortgage
Record Updated	Mar 18, 2026
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	656 MONTAGE RD, OCEANSIDE, CA 92057-6371

Mortgage

Document Number	0000067104
Date	Mar 11, 2026
Instrument	2026-0067104

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Type Change Date	Apr 01, 2033
Change Frequency	Annually
Min Rate At Change	2.7%
Max Rate At Change	10.8%
Index	1-Year CMT
Max Rate	10.8%

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 13, 2026
Property Address	656 MONTAGE RD, OCEANSIDE, CA 92057-6371
Document Number	0000069356
Map Reference	MAP 12486
Instrument Date	Feb 11, 2026
Instrument	2026-0069356
Transaction Type	Transfer
Record Updated	Mar 23, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	656 MONTAGE RD, OCEANSIDE, CA 92057-6371

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 13, 2026
Property Address	656 MONTAGE RD, OCEANSIDE, CA 92057-6371
Document Number	0000069355
Map Reference	MAP 12486
Instrument Date	Feb 11, 2026
Instrument	2026-0069355
Transaction Type	Transfer
Record Updated	Mar 23, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	656 MONTAGE RD, OCEANSIDE, CA 92057-6371

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	656 MONTAGE RD, OCEANSIDE, CA 92057-6371
Transaction Type	Mortgage
Record Updated	Dec 22, 2025
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	656 MONTAGE RD, OCEANSIDE, CA 92057-6371

Mortgage

Document Number	0000346132
Date	Dec 08, 2025
Instrument	2025-0346132

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Type Change Date	Jan 01, 2033
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	11.2%
Index	1-Year CMT
Max Rate	11.2%

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	656 MONTAGE RD, OCEANSIDE, CA 92057-6371
Transaction Type	Mortgage
Record Updated	Oct 01, 2025
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	656 MONTAGE RD, OCEANSIDE, CA 92057-6371

Mortgage

Document Number	0000258136
Date	Sep 17, 2025
Instrument	2025-0258136

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Type Change Date	Oct 01, 2032
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	11.3%
Max Rate	11.3%

May 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 10, 2024
Property Address	656 MONTAGE RD, OCEANSIDE, CA 92057-6371
Document Number	0000118324
Map Reference	MAP 12486
Instrument Date	Feb 26, 2024
Instrument	2024-0118324
Transaction Type	Transfer
Record Updated	May 22, 2024
Title Company	EQUITY TITLE-SAN DIEGO, EQUITY TITLE SAN DIEGO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	656 MONTAGE RD, OCEANSIDE, CA 92057-6371

Mortgage

Document Number	0000118325
Date	May 10, 2024
Instrument	2024-0118325

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROU
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2054

September 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 02, 2022
Property Address	656 MONTAGE RD, OCEANSIDE, CA 92057-6371
Document Number	0000352429
Map Reference	MAP 12486
Instrument Date	Aug 23, 2022
Instrument	2022-0352429
Transaction Type	Transfer
Record Updated	Sep 14, 2022
Title Company	EQUITY TITLE COMPANY SD

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	656 MONTAGE RD, OCEANSIDE, CA 92057-6371
Investor	Possibly a Property Investor

Mortgage

Document Number	0000352430
Date	Sep 02, 2022
Instrument	2022-0352430

Lender

Name	UMC MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2052

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 06, 2021
Property Address	656 MONTAGE RD, OCEANSIDE, CA 92057-6371
Document Number	0000562882
Map Reference	MAP 12486
Instrument Date	Jul 29, 2021
Instrument	2021-0562882
Transaction Type	Transfer
Record Updated	Aug 18, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL ORANGE CNT

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	306 MANNING LN, HAMPTON, VA 23666-5021

Mortgage

Document Number	0000562883
Date	Aug 06, 2021
Instrument	2021-0562883

Lender

Name	1ST RATE HOME MORTGAGE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2051

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	656 MONTAGE RD, OCEANSIDE, CA 92057-6371
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000334271
Date	Aug 08, 2019
Instrument	2019-0334271

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Bank
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2049

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	656 MONTAGE RD, OCEANSIDE, CA 92057-6371
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	306 MANNING LN, HAMPTON, VA 23666-5021

Mortgage

Document Number	0000703071
Date	Nov 10, 2020
Instrument	2020-0703071

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 01, 2050

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 18, 2018
Property Address	656 MONTAGE RD, OCEANSIDE, CA 92057-6371
Document Number	0000246939
Instrument Date	Jun 04, 2018
Instrument	246939
Transaction Type	Transfer
Record Updated	Jun 26, 2018

Transaction

Tax	$0.00
Amount Accuracy	Full Value
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	656 MONTAGE RD OCEANSIDE CA 920576371, OCEANSIDE, CA 92057-6371

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 25, 2017
Property Address	656 MONTAGE RD, OCEANSIDE, CA 92057-6371
Document Number	0000497654
Instrument Date	Oct 02, 2017
Instrument	497654
Transaction Type	Transfer
Record Updated	Oct 31, 2017
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	656 MONTAGE RD OCEANSIDE CA 920576371, OCEANSIDE, CA 92057-6371

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 25, 2017
Property Address	656 MONTAGE RD, OCEANSIDE, CA 92057-6371
Document Number	0000497653
Instrument Date	Sep 28, 2017
Instrument	497653
Transaction Type	Transfer
Record Updated	Oct 31, 2017
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$610.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	656 MONTAGE RD OCEANSIDE CA 920576371, OCEANSIDE, CA 92057-6371

Mortgage

Document Number	497655
Date	Oct 25, 2017
Instrument	497655

Lender

Name	MICHIGAN MUTUAL
Type	Funding / Finance Company
Address	PORT HURON, MI 48060

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 24, 2047

Tax Assessment & Valuation

Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 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

Assessed value is set for property tax purposes and is not a market price estimate.

Year	Tax Bill	Assessed Value
2026		$977,974 (+2%) Land $287,610 Building $690,364
2025	$10,876.00 (+7.8%)	$958,799 (+5.83%) Land $281,971 Building $676,828
2024	$10,089.00 (+2.46%)
2023	$9,847.00 (+49.26%)	$906,000 Land $266,445 Building $639,555
2022	$6,597.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, San Diego County (06073C), updated September 3, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 060730185251, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	3 in force

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 522 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cox Communications	Fiber	2,000 / 35
San Diego Broadband	Fixed Wireless (unlicensed)	500 / 100
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	DSL	100 / 20

May also be available at this address: Cox Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.