San Diego County property record for 1564 Whispering Palm Dr, Oceanside, CA 92056
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,806 sqft · built 2000 |
| Lot Size | 0.265 acres (11,546 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $465,000 (Sep 2015) |
| Tax Bill | $6,505 (2025) |
| Deeds & Mortgages | May 2020 Reverse Mortgage Jul 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 159-390-02-00 |
| Primary APN | 159-390-02-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,806 sqft Living Area |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Lot Area | 11,546 sqft (0.265 acres) |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 1564 WHISPERING PALM DR |
|---|---|
| City | OCEANSIDE |
| State | CA |
| Zip | 92056-2392 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RE-B-SP |
| Legal Description | LOT 2 TR 013509 |
| Legal Subdivision | DARWIN ESTATES |
| Legal Tract | 013509 |
| Legal Block | 1 |
| Legal Lot Number | 2 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | OCEANSIDE-ESCONDIDO |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 19301 |
1564 Whispering Palm Dr is owned and occupied by two individuals who bought it in September 2015.
Source: San Diego County records, as of July 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1564 WHISPERING PALM DR, OCEANSIDE, CA 92056-2392 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 |
|---|---|
| May 5, 2020 | Deed of Trust, Mortgage · Reverse Mortgage SYNERGY ONE LENDING |
| Jul 23, 2021 | Deed of Trust, Mortgage · FHA Mortgage MUTUAL OF OMAHA MORTGAGE INC |
| Dec 11, 2018 | Deed of Trust, Mortgage · Reverse Mortgage SYNERGY ONE LENDING |
| Apr 24, 2020 | Deed of Trust, Mortgage · FHA Mortgage FEDERAL HSNG COMMISSIONER |
| Dec 6, 2018 | Deed of Trust, Mortgage · FHA Mortgage FEDERAL HSNG COMMISSIONER |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 15, 2015 · Amount on File |
| Deed Sale | Sep 15, 2015 · Amount on File |
| Prior Sale | Feb 17, 2010 · Amount on File |
| Deed Document Number | 2015487558 |
| Prior Transfer Date | Jul 9, 2013 |
| Prior Transfer Doc | 0000441476 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 1564 WHISPERING PALM DR, OCEANSIDE, CA 92056-2392 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000227999 |
|---|---|
| Date | May 5, 2020 |
| Instrument | 2020-0227999 |
| Name | SYNERGY ONE LENDING |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92108 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.82% |
| Type Change Date | May 1, 2021 |
| Change Frequency | Annually |
| Index | 1-Year LIBOR |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 1564 WHISPERING PALM DR, OCEANSIDE, CA 92056-2392 |
| Transaction Type | Mortgage |
| Record Updated | Aug 3, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1564 WHISPERING PALM DR, OCEANSIDE, CA 92056-2392 |
| Document Number | 0000527892 |
|---|---|
| Date | Jul 23, 2021 |
| Instrument | 2021-0527892 |
| Name | MUTUAL OF OMAHA MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92108 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 1.58% |
| Type Change Date | Sep 1, 2021 |
| Index | 1-Year CMT |
| Max Rate | 6.58% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 1564 WHISPERING PALM DR, OCEANSIDE, CA 92056-2392 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 1564 WHISPERING PALM DR, OCEANSIDE, CA 92056-2392 |
| Document Number | 0000508695 |
|---|---|
| Date | Dec 11, 2018 |
| Instrument | 2018-0508695 |
| Name | SYNERGY ONE LENDING |
|---|---|
| Type | Lending Institution |
| Address | SAN DIEGO, CA 92108 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.62% |
| Type Change Date | Jan 1, 2020 |
| Change Frequency | Annually |
| Index | 1-Year LIBOR |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 1564 WHISPERING PALM DR, OCEANSIDE, CA 92056-2392 |
| Document Number | 0000228000 |
| Instrument Date | Apr 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 13, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1564 WHISPERING PALM DR OCEANSIDE CA 920562392, OCEANSIDE, CA 92056-2392 |
| Document Number | 0000228000 |
|---|---|
| Date | May 5, 2020 |
| Instrument | 228000 |
| Name | FEDERAL HSNG COMMISSIONER |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.82% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 1564 WHISPERING PALM DR, OCEANSIDE, CA 92056-2392 |
| Document Number | 0000508696 |
| Instrument Date | Dec 6, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 18, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1564 WHISPERING PALM DR OCEANSIDE CA 920562392, OCEANSIDE, CA 92056-2392 |
| Document Number | 0000508696 |
|---|---|
| Date | Dec 11, 2018 |
| Instrument | 508696 |
| Name | FEDERAL HSNG COMMISSIONER |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.62% |
The 2025 property tax bill for 1564 Whispering Palm Dr was $6,505 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 | $561,465 (+2%) Land $320,625 Building $240,840 | |
| 2025 | $6,505.00 Homeowner's exemption | $550,457 Land $314,339 Building $236,118 |
| 2023 | $5,991.00 (+0.4%) Homeowner's exemption | $529,084 Land $302,134 Building $226,950 |
| 2022 | $5,967.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 1564 Whispering Palm Dr 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 | 1 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 1564 Whispering Palm Dr 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 324 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 100 |
| San Diego Broadband Fixed Wireless | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL · Fixed Wireless in parts of the area | 100 / 20 |
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