San Diego County property record for 657 Montage Rd, Oceanside, CA 92057
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,254 sqft · built 1992 |
| Lot Size | 0.113 acres (4,904 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $560,000 (Nov 2006) |
| Tax Bill | $8,441 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Jul 2017 Mortgage + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 161-692-07-00 |
| Primary APN | 161-692-07-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,254 sqft Living Area |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Lot Area | 4,904 sqft (0.113 acres) |
| Parking Spaces | 3 Parking Spaces |
| Street Address | 657 MONTAGE RD |
|---|---|
| City | OCEANSIDE |
| State | CA |
| Zip | 92057-6372 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD-1 (Res) |
| Legal Description | LOT 7 TR 012486 |
| Legal Subdivision | RANCHO DEL ORO INDUST PARK |
| Legal Tract | 012486 |
| Legal Block | 1 |
| Legal Lot Number | 7 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | OCEANSIDE-ESCONDIDO |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 18525 |
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 | 657 MONTAGE RD, OCEANSIDE, CA 92057-6372 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jun 2, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jul 13, 2017 | Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP |
| Nov 21, 2017 | Deed of Trust, Mortgage · Conventional Mortgage MB FINANCIAL BANK NA |
| Mar 5, 2019 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Oct 8, 2019 | Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC |
| Feb 20, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Oct 20, 2020 | Deed of Trust, Mortgage · Conventional Mortgage OCMBC INC |
| Aug 1, 2018 | Deed of Trust, Mortgage · Conventional Mortgage INSIDER MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 13, 2006 · Amount on Record |
| Deed Sale | Nov 13, 2006 · Amount on Record |
| Prior Sale | Jun 24, 1999 · Amount on Record |
| Deed Document Number | 2006804392 |
| Prior Transfer Date | Apr 17, 2006 |
| Prior Transfer Doc | 0000265482 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 657 MONTAGE RD, OCEANSIDE, CA 92057-6372 |
| Transaction Type | Mortgage |
| Record Updated | Jun 11, 2021 |
| Title Company | ORABGE COAST TITLE, ORANGE COAST TITLE |
| Name | Verified Name |
|---|---|
| Address | 657 MONTAGE RD, OCEANSIDE, CA 92057-6372 |
| Document Number | 0000409487 |
|---|---|
| Date | Jun 2, 2021 |
| Instrument | 2021-0409487 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 657 MONTAGE RD, OCEANSIDE, CA 92057-6372 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000315073 |
|---|---|
| Date | Jul 13, 2017 |
| Instrument | 2017-0315073 |
| Name | AMERISAVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30305 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 657 MONTAGE RD, OCEANSIDE, CA 92057-6372 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000541645 |
|---|---|
| Date | Nov 21, 2017 |
| Instrument | 2017-0541645 |
| Name | MB FINANCIAL BANK NA |
|---|---|
| Type | Bank |
| Address | ANN ARBOR, MI 48105 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 657 MONTAGE RD, OCEANSIDE, CA 92057-6372 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000077587 |
|---|---|
| Date | Mar 5, 2019 |
| Instrument | 2019-0077587 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 657 MONTAGE RD, OCEANSIDE, CA 92057-6372 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000447444 |
|---|---|
| Date | Oct 8, 2019 |
| Instrument | 2019-0447444 |
| Name | NEWREZ LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | PLYMOUTH MEETING, PA 19462 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 657 MONTAGE RD, OCEANSIDE, CA 92057-6372 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000084424 |
|---|---|
| Date | Feb 20, 2020 |
| Instrument | 2020-0084424 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 657 MONTAGE RD, OCEANSIDE, CA 92057-6372 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ORANGE COAST TITLE |
| Name | Verified Name |
|---|---|
| Address | 657 MONTAGE RD, OCEANSIDE, CA 92057-6372 |
| Document Number | 0000640586 |
|---|---|
| Date | Oct 20, 2020 |
| Instrument | 2020-0640586 |
| Name | OCMBC INC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92612 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 657 MONTAGE RD, OCEANSIDE, CA 92057-6372 |
| Document Number | 0000321708 |
| Instrument Date | Aug 1, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 13, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Address | 657 MONTAGE RD OCEANSIDE CA 920576372, OCEANSIDE, CA 92057-6372 |
| Document Number | 0000321708 |
|---|---|
| Date | Aug 7, 2018 |
| Instrument | 321708 |
| Name | INSIDER MORTGAGE CORP |
|---|---|
| Type | Bank |
| Address | SAN DIEGO, CA 92131 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 6, 2048 |
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 | $765,234 (+2%) Land $396,282 Building $368,952 | |
| 2025 | $8,441.00 (+8.61%) Homeowner's exemption | $750,230 (+4.04%) Land $388,512 Building $361,718 |
| 2023 | $7,772.00 (+0.27%) Homeowner's exemption | $721,100 Land $373,427 Building $347,673 |
| 2022 | $7,751.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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.
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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