3531 Cameo Dr, Unit 98, Oceanside, CA 92056 Property Records

San Diego County property record for 3531 Cameo Dr, Unit 98, 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	Individual Name on Record
Last Sale	$678,000 (May 2026)
Tax Bill	$4,964 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Nov 2019 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`165-113-29-02`

Property Details

APN / Parcel Number

Primary APN	`165-113-29-02`

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, 98
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 US 98PER 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	Individual Name on Record
Mailing Address	3322 LUNA AVE, SAN DIEGO, CA 92117-1727
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
May 11, 2026	Grant Deed, Transfer · Conventional Mortgage PLAZA HOME MORTGAGE INC
Nov 14, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Sep 8, 2017	Grant Deed, Transfer WFG NATIONAL TITLE COMPANY, WFG NAT'L TITLE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 11, 2026 · Amount on Record
Deed Sale	May 11, 2026 · Amount on Record
Prior Sale	Sep 8, 2017 · Amount on Record
Deed Document Number	2026134203
Prior Transfer Date	Oct 18, 2019
Prior Transfer Doc	0000527479
Record Updated	Oct 29, 2026

May 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 11, 2026
Property Address	3531 CAMEO DR, 98, OCEANSIDE, CA 92056-6385
Document Number	0000134203
Instrument Date	Apr 28, 2026
Instrument	2026134203
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$75,325.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property

Mortgage

Document Number	0000134204,
Date	May 11, 2026
Instrument	2026134204

Lender

Name	PLAZA HOME MORTGAGE INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 14, 2019
Property Address	3531 CAMEO DR UNIT 98, 98, OCEANSIDE, CA 92056-6385
Document Number	0000527479
Instrument Date	Oct 18, 2019
Instrument	527479
Transaction Type	Transfer
Record Updated	Nov 22, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3531 CAMEO DR #98 OCEANSIDE CA 920566385, 98, OCEANSIDE, CA 92056-6385

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 8, 2017
Property Address	3531 CAMEO DR UNIT 98, 98, OCEANSIDE, CA 92056-6385
Document Number	0000413025
Instrument Date	Aug 28, 2017
Instrument	413025
Transaction Type	Transfer
Record Updated	Sep 13, 2017
Title Company	WFG NATIONAL TITLE COMPANY, WFG NAT'L TITLE CO

Transaction

Amount	Amount Recorded
Tax	$401.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3531 CAMEO DR #98 OCEANSIDE CA 920566385, 98, OCEANSIDE, CA 92056-6385

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		$423,605 (+2%) Land $185,971 Building $237,634
2025	$4,964.00 (+1.85%) Homeowner's exemption	$415,300 (+4.04%) Land $182,325 Building $232,975
2024	$4,874.00 (+2.96%)
2023	$4,734.00 (+1.44%) Homeowner's exemption	$399,175 Land $175,246 Building $223,929
2022	$4,667.00

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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