3517 Cameo Dr, Unit 88, Oceanside, CA 92056 Property Records

San Diego County property record for 3517 Cameo Dr, Unit 88, Oceanside, CA 92056

Property Summary

Property Type	Condominium
Details	3 bd · 2 ba · 1,297 sqft · built 1992
Lot Size	6 acres (261,479 sqft)
Owner	2 Individual Names on File
Last Sale	$445,000 (Jul 2020)
Tax Bill	$5,705 (2025)
Deeds & Mortgages	Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`165-113-28-24`

Property Details

APN / Parcel Number

Primary APN	`165-113-28-24`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,297 sqft Living Area

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Condo/Apartment
Lot Area	261,479 sqft
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	3517 CAMEO DR, 88
City	OCEANSIDE
State	CA
Zip	92056-6372
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	PD-2
Legal Description	LOT 3 US 88PER DOC91-034549&UND INT IN TR 012527
Legal Subdivision	DEL ORO HILLS
Legal Tract	012527
Legal Block	1
Legal Lot Number	3
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1001
Census Tract	18517

Owner

3517 Cameo Dr, Unit 88 is owned and occupied by two individuals who bought it in July 2020.

Source: San Diego County records, as of July 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3517 CAMEO DR, 88, OCEANSIDE, CA 92056-6372
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2020 · Amount on File
Deed Sale	Jul 31, 2020 · Amount on File
Prior Sale	Jan 13, 2010 · Amount on File
Deed Document Number	2020421959
Prior Transfer Date	Oct 31, 2014
Prior Transfer Doc	0000522040
Record Updated	Oct 29, 2026

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 31, 2020
Property Address	3517 CAMEO DR UNIT 88, 88, OCEANSIDE, CA 92056-6372
Document Number	0000421959
Map Reference	MAP 12527
Instrument Date	Jul 9, 2020
Instrument	2020-0421959
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	LAWYERS TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	20367 THIRD ST, HILMAR, CA 95324-9106

Mortgage

Document Number	0000421960
Date	Jul 31, 2020
Instrument	2020-0421960

Lender

Name	NATIONS DIRECT MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 3517 Cameo Dr, Unit 88 was $5,705 with a homeowner's exemption.

Source: San Diego County assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Municipality	Oceanside City
Unified School District	Oceanside Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$491,311 (+2%) Land $322,425 Building $168,886
2025	$5,705.00 Homeowner's exemption	$481,678 Land $316,103 Building $165,575
2023	$5,455.00 (+0.29%)	$462,976 Land $303,829 Building $159,147
2022	$5,439.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 3517 Cameo Dr, Unit 88 in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2025.

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
Nearby Flood Claims	1 (2025)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2025 · rainfall accumulation

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.

Wildfire

Wildfire risk around 3517 Cameo Dr, Unit 88 is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.8% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	La Jolla Western tribal government · serves 296 people · EPA ID 090605008
Water Source	Groundwater
Last State Inspection	Apr 2021
Also Mapped Here	SAN DIEGO COUNTY WATER AUTHORITY, CITY OF OCEANSIDE
Lead	Below detection (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

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 Cable	2,000 / 100
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: FiberFirst, GeoLinks, Verizon.

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