3531 Cameo Dr, Unit 101, Oceanside, CA 92056 Property Records

San Diego County property record for 3531 Cameo Dr, Unit 101, Oceanside, CA 92056

Property Summary

Property Type	Condominium
Details	3 bd · 2 ba · 1,297 sqft · built 1992
Lot Size	1.81 acres (78,973 sqft)
Owner	2 Individual Names on Record
Last Sale	$685,000 (Feb 2025)
Tax Bill	$5,887 (2025)
Deeds & Mortgages	Mar 2020 Line of Credit Oct 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`165-113-29-05`

Property Details

APN / Parcel Number

Primary APN	`165-113-29-05`

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	78,973 sqft
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	3531 CAMEO DR, 101
City	OCEANSIDE
State	CA
Zip	92056-6385
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	PD-2
Legal Description	LOT 4 US101PER DOC91-034550&UND INT IN TR 012527
Legal Subdivision	DEL ORO HILLS
Legal Tract	012527
Legal Block	1
Legal Lot Number	4
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1001
Census Tract	18517

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3531 CAMEO DR, 101, OCEANSIDE, CA 92056-6385
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2020	Deed of Trust, Mortgage · Line of Credit US BANK NA
Oct 30, 2020	Grant Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
May 13, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 19, 2025 · Amount on Record
Deed Sale	Feb 19, 2025 · Amount on Record
Prior Sale	Oct 30, 2020 · Amount on Record
Deed Document Number	202542467
Prior Transfer Date	May 8, 2019
Prior Transfer Doc	0000180010
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3531 CAMEO DR UNIT 101, 101, OCEANSIDE, CA 92056-6385
Transaction Type	Mortgage
Record Updated	Jun 21, 2021
Title Company	SOLIDIFI

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000124744
Date	Mar 11, 2020
Instrument	2020-0124744

Lender

Name	US BANK NA
Type	Bank
Address	OSHKOSH, WI 54902

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Feb 26, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 30, 2020
Property Address	3531 CAMEO DR UNIT 101, 101, OCEANSIDE, CA 92056-6385
Document Number	0000676928
Map Reference	MAP 12527
Instrument Date	Oct 13, 2020
Instrument	2020-0676928
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
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
Address	3531 CAMEO DR UNIT 101, 101, OCEANSIDE, CA 92056-6385

Mortgage

Document Number	0000676929
Date	Oct 30, 2020
Instrument	2020-0676929

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

May 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	May 13, 2019
Property Address	3531 CAMEO DR UNIT 101, 101, OCEANSIDE, CA 92056-6385
Document Number	0000180010
Map Reference	MAP 12527
Instrument Date	May 8, 2019
Instrument	2019-0180010
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	LAWYERS TITLE SD

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3531 CAMEO DR UNIT 101, 101, OCEANSIDE, CA 92056-6385

Mortgage

Document Number	0000180011
Date	May 13, 2019
Instrument	2019-0180011

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

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		$698,700 (+40.33%) Land $520,200 Building $178,500
2025	$5,887.00 (+4.9%)	$497,915 (+4.04%) Land $292,404 Building $205,511
2023	$5,612.00 (+1.46%) Homeowner's exemption	$478,582 Land $281,050 Building $197,532
2022	$5,531.00

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

Flood

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

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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