San Diego County property record for 1565 Whispering Palm Dr, Oceanside, CA 92056
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,806 sqft · built 2000 |
| Lot Size | 0.238 acres (10,382 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $600,000 (Sep 2018) |
| Tax Bill | $7,925 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage Apr 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 159-390-21-00 |
| Primary APN | 159-390-21-00 |
|---|
| 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 | 10,382 sqft (0.238 acres) |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 1565 WHISPERING PALM DR |
|---|---|
| City | OCEANSIDE |
| State | CA |
| Zip | 92056-2390 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RE-B-SP |
| Legal Description | LOT 21 TR 013509 |
| Legal Subdivision | DARWIN ESTATES |
| Legal Tract | 013509 |
| Legal Block | 1 |
| Legal Lot Number | 21 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | OCEANSIDE-ESCONDIDO |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 19301 |
Source: San Diego County records, as of July 28, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1565 WHISPERING PALM DR, OCEANSIDE, CA 92056-2390 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Community Property |
| Date | Document |
|---|---|
| Dec 8, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Apr 17, 2019 | Deed of Trust, Mortgage · Conventional with PMI GROVES CAP INC |
| Sep 19, 2018 | Grant Deed, Transfer · Conventional Mortgage GROVES CAPITAL INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 19, 2018 · Amount on Record |
| Deed Sale | Sep 19, 2018 · Amount on Record |
| Prior Sale | Sep 22, 2009 · Amount on Record |
| Deed Document Number | 2018392393 |
| Prior Transfer Date | Jun 6, 2003 |
| Prior Transfer Doc | 0000691254 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 1565 WHISPERING PALM DR, OCEANSIDE, CA 92056-2390 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TICOR TITLE SAN DIEGO BRANCH |
| Name | Verified Name |
|---|---|
| Address | 1565 WHISPERING PALM DR, OCEANSIDE, CA 92056-2390 |
| Document Number | 0000787165 |
|---|---|
| Date | Dec 8, 2020 |
| Instrument | 2020-0787165 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | HORSHAM, PA 19044 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Jan 1, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 1565 WHISPERING PALM DR, OCEANSIDE, CA 92056-2390 |
| Document Number | 0000145841 |
| Instrument Date | Apr 17, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 1, 2019 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE SAN DIEGO |
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Address | 1565 WHISPERING PALM DR OCEANSIDE CA 920562390, OCEANSIDE, CA 92056-2390 |
| Document Number | 0000145841 |
|---|---|
| Date | Apr 22, 2019 |
| Instrument | 145841 |
| Name | GROVES CAP INC |
|---|---|
| Address | 7015 SELENA WAY, SAN DIEGO, CA 92130-1373 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 21, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Sep 19, 2018 |
| Property Address | 1565 WHISPERING PALM DR, OCEANSIDE, CA 92056-2390 |
| Document Number | 0000392393 |
| Instrument Date | Aug 23, 2018 |
| Instrument | 392393 |
| Transaction Type | Transfer |
| Record Updated | Oct 2, 2018 |
| Title Company | FIDELITY NATIONAL TITLE SAN DIEGO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $660.00 |
| Amount Accuracy | Full Value |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Community Property |
| Address | 1565 WHISPERING PALM DR OCEANSIDE CA 920562390, OCEANSIDE, CA 92056-2390 |
| Document Number | 392394 |
|---|---|
| Date | Sep 19, 2018 |
| Instrument | 392394 |
| Name | GROVES CAPITAL INC |
|---|---|
| Address | 7015 SELENA WAY, SAN DIEGO, CA 92130-1373 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 18, 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 | $682,576 (+2%) Land $440,650 Building $241,926 | |
| 2025 | $7,925.00 (+8.55%) | $669,193 (+4.04%) Land $432,010 Building $237,183 |
| 2023 | $7,301.00 (+0.36%) | $643,210 Land $415,236 Building $227,974 |
| 2022 | $7,275.00 |
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 | 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.
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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