526 Calle Montecito 140, Oceanside, California 92057, Oceanside, 92057 - 2 bed, 1 bath
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526 Calle Montecito 140
Oceanside, California 92057
ACTIVE
CONDITION: GOOD
2Beds
1Baths
806Sq Ft
0Lot Size
Property Price
LIST PRICE$428,000
EST. MARKET VALUE
$410,195
4% AboveMARKET VALUE
SUMMARY
This Move-in Ready Condominium is a Strong Value Opportunity, listed at $428,000—positioned above the $410,196 Fair Market Value. While the price reflects a premium, the property maintains a Condition Rating of 3, featuring a Granite Kitchen and modern upgrades. Residents enjoy a serene lifestyle with Direct Lake Views, a private balcony, and community amenities including a Pool and Spa. Located near Libby Elementary and El Camino High, this home is an ideal fit for first-time buyers or Owner-Occupants seeking a stable, well-maintained residence in a prime Oceanside location.
Estimated Market Value
$410,195
Based on Realkey algorithm analyzing recent comparable sales in Oceanside.
Comparable Sales Map
Comparables within 1 miles sold in recently
Map unavailable.
| Address | Sold Price | Beds | Baths | Sq Ft | $/Sqft | Distance |
|---|---|---|---|---|---|---|
★ 526 Calle Montecito 140 Subject | $428,000* List Price | 2 | 1 | 806 | $509 | - |
A 510 Calle Montecito 51 Sold | $385,000 | 2 | 1 | 806 | $478 | 0.0 mi |
B 517 Calle Montecito 91 Sold | $385,000 | 2 | 1 | 806 | $478 | 0.1 mi |
C 155 Avenida Descanso 202 Sold | $370,000 | 2 | 1 | 741 | $499 | 0.5 mi |
D 5021 Los Morros 31 Sold | $479,000 | 2 | 2 | 1,100 | $435 | 0.6 mi |
E 510 Calle Montecito 53 Sold | $425,000 | 2 | 2 | 856 | $496 | - |
F 510 Calle Montecito 57 Sold | $419,000 | 2 | 2 | 856 | $489 | - |
G 525 Calle Montecito 122 Pending | $380,000 List Price | 2 | 1 | 806 | $471 | 0.0 mi |
* Subject property listed price vs sold prices of comps.
Condition Analysis
See Full ReportOVERALL CONDITION SCORE
Good
TeardownExcellent
Property is move-in ready.
Although built in 1986, the property is well-maintained and move-in ready. The kitchen features granite countertops and upgraded stainless steel appliances, and the bathroom has been updated with a modern vanity and fixtures. The flooring and paint appear recent, placing the renovations within the 5-15 year range.
PROSSTRENGTHS & OPPORTUNITIES
- Scenic Lake Views
The property features beautiful, direct lake views from the second-floor unit and its spacious balcony, providing a serene and premium atmosphere.
- Financing & Value
Priced competitively at $428,000 and being VA-approved, this condo represents an accessible entry point into the Oceanside market for veterans and first-time buyers.
- Comprehensive HOA Benefits
The association fee covers essential utilities including water, sewer, and trash, alongside exterior maintenance and access to community amenities like a pool and spa.
CONSRISKS & DEFICIENCIES
- High Carrying Costs
The monthly HOA fee of $569 is relatively high for an 806-square-foot condo, which may impact the debt-to-income ratio for some prospective buyers.
- Limited Bathroom Ratio
With only one bathroom serving two bedrooms, the layout may be less convenient for roommates or small families compared to more modern 2-bedroom, 2-bath configurations.
About 526 Calle Montecito 140
Enjoy beautiful lake views every day from your own 2-bedroom condo. This second-floor unit features a spacious balcony with side-by-side washer and dryer, kitchen with upgraded appliances, large and bright living room, covered parking and ample guest parking. The community offers a pool and spa, with HOA dues covering water, sewer, trash, exterior maintenance, and more. Located next to Libby Lake Park and minutes from shopping, schools, Oceanside Harbor, and North County beaches. Enjoy beautiful lake views every day from your own 2-bedroom condo. This second-floor unit features a spacious balcony with side-by-side washer and dryer, kitchen with upgraded appliances, large and bright living room, covered parking and ample guest parking. The community offers a pool and spa, with HOA dues covering water, sewer, trash, exterior maintenance, and more. Located next to Libby Lake Park and minutes from shopping, schools, Oceanside Harbor, and North County beaches. VA-approved and priced to sell
Property Details
Public Facts
- Property Type
- Condominium
- Year Built
- 1986
- Lot Size
- -
Interior
- Total Bedrooms
- 2
- Total Bathrooms
- 1 (1 Full, 0 Half)
Exterior & Parking
No exterior & parking available.
Utilities & Misc
- HOA Fee
- $569.0 / Month
Neighborhood Insights
Oceanside Unified Schools
Libby Elementary School
Grades K-5 • 0.2 mi
4/10
Reynolds Elementary School
Grades K-5 • 0.4 mi
5/10
Cesar Chavez Middle School
Grades 6-8 • 0.8 mi
4/10
Sensitive Facilities
No sensitive facilities data found.
Neighborhood Comparison
| Feature | Subject | Average Home |
|---|---|---|
| Beds | 2.0 | 2.0 |
| Baths | 1.0 | 2.0 |
| Square foot | 806 | 1,079.414 |
| Lot Size | - | 68,707.138 |
| Price | $428.0K | $574.6K |
| Price per sq ft | $531 | $540 |
| Built year | 1986 | 1988 |
| HOA | $569.0 | $528 |
| Days on market | 10 | 59 |
Pricing History
Listed for Sale
Aug 30, 2026
$428,000
Initial Listing
Sold
Dec 20, 2011
$97,000
Public Record
Sold
Jun 24, 2005
$240,000
Public Record