3541 Cameo Dr, Unit 105, Oceanside, CA 92056 Property Records

San Diego County property record for 3541 Cameo Dr, Unit 105, Oceanside, CA 92056

Property Summary

Property Type	Condominium
Details	3 bd · 2 ba · 1,141 sqft · built 1992
Lot Size	1.81 acres (78,973 sqft)
Owner	2 Trust Names on File
Last Sale	$650,000 (May 2024)
Tax Bill	$7,731 (2025)
Deeds & Mortgages	May 2024 Sale & Mortgage Mar 2024 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`165-113-29-09`

Property Details

APN / Parcel Number

Primary APN	`165-113-29-09`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,141 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	3541 CAMEO DR, 105
City	OCEANSIDE
State	CA
Zip	92056-6358
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	PD-2
Legal Description	LOT 4 US105PER 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

3541 Cameo Dr, Unit 105 is held in a trust since May 2024.

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

Owner of Record	2 Trust Names on File
Mailing Address	3541 CAMEO DR, 105, OCEANSIDE, CA 92056-6358
Owner Type	Company
Vesting	Trust, Family Trust

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

Date	Document
May 13, 2024	Grant Deed, Transfer · Conventional Mortgage SCHOOLSFIRST FCU
Mar 29, 2024	Intrafamily Transfer, Transfer
Mar 29, 2024	Intrafamily Transfer, Transfer
Jul 15, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 22, 2018	Grant Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC
Jan 22, 2018	Quit Claim Deed, Transfer CHICAGO TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 13, 2024 · Amount on File
Deed Sale	May 13, 2024 · Amount on File
Prior Sale	Sep 24, 2021 · Amount on File
Deed Document Number	2024120056
Prior Transfer Date	Mar 29, 2024
Prior Transfer Doc	0000079040
Record Updated	Sep 20, 2026

May 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 13, 2024
Property Address	3541 CAMEO DR UNIT 105, 105, OCEANSIDE, CA 92056-6358
Document Number	0000120056
Map Reference	MAP 12527
Instrument Date	Apr 26, 2024
Instrument	2024-0120056
Transaction Type	Transfer
Record Updated	May 22, 2024
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

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	Community Property with Right of Survivorship
Address	3541 CAMEO DR UNIT 105, 105, OCEANSIDE, CA 92056-6358

Mortgage

Document Number	0000120057
Date	May 13, 2024
Instrument	2024-0120057

Lender

Name	SCHOOLSFIRST FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2054

March 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 29, 2024
Property Address	3541 CAMEO DR UNIT 105, 105, OCEANSIDE, CA 92056-6358
Document Number	0000079040
Map Reference	MAP 12527
Instrument Date	Mar 29, 2024
Instrument	2024-0079040
Transaction Type	Transfer
Record Updated	Apr 11, 2024

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	3541 CAMEO DR UNIT 105, 105, OCEANSIDE, CA 92056-6358

March 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 29, 2024
Property Address	3541 CAMEO DR UNIT 105, 105, OCEANSIDE, CA 92056-6358
Document Number	0000079039
Map Reference	MAP 12527
Instrument Date	Mar 29, 2024
Instrument	2024-0079039
Transaction Type	Transfer
Record Updated	Apr 11, 2024

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
Address	3541 CAMEO DR UNIT 105, 105, OCEANSIDE, CA 92056-6358

July 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 15, 2019
Property Address	3541 CAMEO DR UNIT 105, 105, OCEANSIDE, CA 92056-6358
Document Number	0000282859
Map Reference	MAP 12527
Instrument Date	Jul 10, 2019
Instrument	2019-0282859
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	3541 CAMEO DR UNIT 105, 105, OCEANSIDE, CA 92056-6358

Mortgage

Document Number	0000282860
Date	Jul 15, 2019
Instrument	2019-0282860

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

January 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 22, 2018
Property Address	3541 CAMEO DR UNIT 105, 105, OCEANSIDE, CA 92056-6358
Document Number	0000024764
Map Reference	MAP 12527
Instrument Date	Jan 5, 2018
Instrument	2018-0024764
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	CHICAGO TITLE COMPANY SD

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	Community Property with Right of Survivorship
Address	3541 CAMEO DR UNIT 105, 105, OCEANSIDE, CA 92056-6358

Mortgage

Document Number	0000024765
Date	Jan 22, 2018
Instrument	2018-0024765

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2048

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 22, 2018
Property Address	3541 CAMEO DR UNIT 105, 105, OCEANSIDE, CA 92056-6358
Document Number	0000024763
Instrument Date	Jan 5, 2018
Instrument	24763
Transaction Type	Transfer
Record Updated	Jan 30, 2018
Title Company	CHICAGO TITLE COMPANY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	2951 SONDRA CT CARLSBAD CA 920097107, CARLSBAD, CA 92009-7107

Tax Assessment & Valuation

The 2025 property tax bill for 3541 Cameo Dr, Unit 105 was $7,731.

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		$676,260 (+2%) Land $468,180 Building $208,080
2025	$7,731.00 Homeowner's exemption	$663,000 Land $459,000 Building $204,000
2023	$6,636.00 (+1.48%) Homeowner's exemption	$571,199 Land $156,173 Building $415,026
2022	$6,539.00

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

Flood

FEMA maps place 3541 Cameo Dr, Unit 105 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 3541 Cameo Dr, Unit 105 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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