San Diego County property record for 1577 Whispering Palm Dr, Oceanside, CA 92056
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,422 sqft · built 2000 |
| Lot Size | 0.261 acres (11,352 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $916,000 (Jul 2026) |
| Tax Bill | $5,066 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Feb 2022 Reverse Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 159-390-18-00 |
| Primary APN | 159-390-18-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 2,422 sqft Living Area |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Lot Area | 11,352 sqft (0.261 acres) |
| Parking Spaces | 3 Parking Spaces |
| Street Address | 1577 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 18 TR 013509 |
| Legal Subdivision | DARWIN ESTATES |
| Legal Tract | 013509 |
| Legal Block | 1 |
| Legal Lot Number | 18 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | OCEANSIDE-ESCONDIDO |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 19301 |
1577 Whispering Palm Dr is owned and occupied by two individuals who bought it in July 2026.
Source: San Diego County records, as of August 3, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1577 WHISPERING PALM DR, OCEANSIDE, CA 92056-2390 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
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 |
|---|---|
| Jul 23, 2026 | Grant Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Feb 23, 2022 | Deed of Trust, Mortgage · Reverse Mortgage PHH MORTGAGE SERVICES CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 23, 2026 · Amount on File |
| Deed Sale | Jul 23, 2026 · Amount on File |
| Prior Sale | Jun 25, 1999 · Amount on File |
| Deed Document Number | 2026211341 |
| Prior Transfer Date | Jul 13, 2010 |
| Prior Transfer Doc | 0000359860 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Jul 23, 2026 |
| Property Address | 1577 WHISPERING PALM DR, OCEANSIDE, CA 92056-2390 |
| Document Number | 0000211341 |
| Instrument Date | Jul 1, 2026 |
| Instrument | 2026211341 |
| Transaction Type | Transfer |
| Record Updated | Aug 3, 2026 |
| Title Company | CHICAGO TITLE W, CHICAGO TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $101,767.60 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1577 WHISPERING PALM DR, OCEANSIDE, CA 92056-2390 |
| Document Number | 0000211342, |
|---|---|
| Date | Jul 23, 2026 |
| Instrument | 2026211342 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.52% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 1577 WHISPERING PALM DR, OCEANSIDE, CA 92056-2390 |
| Transaction Type | Mortgage |
| Record Updated | Apr 17, 2023 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Address | 1577 WHISPERING PALM DR, OCEANSIDE, CA 92056-2390 |
| Document Number | 0000082123 |
|---|---|
| Date | Feb 23, 2022 |
| Instrument | 2022-0082123 |
| Name | PHH MORTGAGE SERVICES CORP |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.48% |
| Adjustable | Adjustable Rate Rider |
| Change Frequency | Monthly |
| Index | 1-Year LIBOR |
| Max Rate | 7.48% |
The 2025 property tax bill for 1577 Whispering Palm Dr was $5,066 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 | $431,562 (+2%) Land $127,912 Building $303,650 | |
| 2025 | $5,066.00 Homeowner's exemption | $423,101 Land $125,404 Building $297,697 |
| 2023 | $4,668.00 (+0.47%) Homeowner's exemption | $406,674 Land $120,536 Building $286,138 |
| 2022 | $4,646.00 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 1577 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 1577 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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