3575 Cameo Dr, Unit 45, Oceanside, CA 92056 Property Records

San Diego County property record for 3575 Cameo Dr, Unit 45, Oceanside, CA 92056

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,141 sqft · built 1992
Lot Size	3.28 acres (143,279 sqft)
Owner	Individual Name on Record
Last Sale	$665,000 (Jan 2026)
Tax Bill	$7,931 (2025)
Deeds & Mortgages	Jan 2026 Sale Mar 2022 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`165-113-26-21`

Property Details

APN / Parcel Number

Primary APN	`165-113-26-21`

Interior

Bedrooms	2 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	143,279 sqft
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	3575 CAMEO DR, 45
City	OCEANSIDE
State	CA
Zip	92056-6369
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	PD-2
Legal Description	LOT 1 US 45PER DOC90-527107&UND INT IN TR 012527
Legal Subdivision	DEL ORO HILLS
Legal Tract	012527
Legal Block	1
Legal Lot Number	1
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	3575 CAMEO DR, 45, OCEANSIDE, CA 92056-6369
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Jan 15, 2026	Grant Deed, Transfer CHICAGO TITLE COMPANY-SD, CHICAGO TITLE COMPANY SD
Mar 22, 2022	Grant Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Mar 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC
Jan 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC
Sep 26, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage STEARNS LENDING LLC
Apr 5, 2018	Grant Deed, Transfer · Conventional Mortgage STEARNS LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 15, 2026 · Amount on Record
Deed Sale	Jan 15, 2026 · Amount on Record
Prior Sale	Mar 22, 2022 · Amount on Record
Deed Document Number	202611855
Prior Transfer Date	Sep 12, 2019
Prior Transfer Doc	0000425382
Record Updated	Oct 29, 2026

January 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 15, 2026
Property Address	3575 CAMEO DR UNIT 45, 45, OCEANSIDE, CA 92056-6369
Document Number	0000011855
Map Reference	MAP 12527
Instrument Date	Dec 22, 2025
Instrument	2026-0011855
Transaction Type	Transfer
Record Updated	Jan 23, 2026
Title Company	CHICAGO TITLE COMPANY-SD, CHICAGO TITLE COMPANY SD

Transaction

Amount	Amount Recorded
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	3575 CAMEO DR UNIT 45, 45, OCEANSIDE, CA 92056-6369

March 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 22, 2022
Property Address	3575 CAMEO DR UNIT 45, 45, OCEANSIDE, CA 92056-6369
Document Number	0000126131
Map Reference	MAP 12527
Instrument Date	Mar 3, 2022
Instrument	2022-0126131
Transaction Type	Transfer
Record Updated	Apr 4, 2022
Title Company	FIDELITY NATL TTL SAN DIEGO

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
Relationship	Joint Tenants
Address	3575 CAMEO DR UNIT 45, 45, OCEANSIDE, CA 92056-6369

Mortgage

Document Number	0000126132
Date	Mar 22, 2022
Instrument	2022-0126132

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3575 CAMEO DR UNIT 45, 45, OCEANSIDE, CA 92056-6369
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000155094
Date	Mar 25, 2020
Instrument	2020-0155094

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company

Agreement

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

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3575 CAMEO DR UNIT 45, 45, OCEANSIDE, CA 92056-6369
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3575 CAMEO DR 45, 45, OCEANSIDE, CA 92056-6369

Mortgage

Document Number	0000025193
Date	Jan 13, 2021
Instrument	2021-0025193

Lender

Name	STEARNS LENDING LLC
Type	Mortgage Company
Address	LEWISVILLE, TX 75057

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

September 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 26, 2019
Property Address	3575 CAMEO DR UNIT 45, 45, OCEANSIDE, CA 92056-6369
Document Number	0000425382
Map Reference	MAP 12527
Instrument Date	Sep 12, 2019
Instrument	2019-0425382
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	LAWYERS TITLE VN

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	3575 CAMEO DR UNIT 45, 45, OCEANSIDE, CA 92056-6369

Mortgage

Document Number	0000425383
Date	Sep 26, 2019
Instrument	2019-0425383

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company

Agreement

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

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 5, 2018
Property Address	3575 CAMEO DR UNIT 45, 45, OCEANSIDE, CA 92056-6369
Document Number	0000133738
Instrument Date	Mar 12, 2018
Instrument	133738
Transaction Type	Transfer
Record Updated	Apr 12, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$453.20
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	3575 CAMEO DR #45 OCEANSIDE CA 920566369, 45, OCEANSIDE, CA 92056-6369

Mortgage

Document Number	133739
Date	Apr 5, 2018
Instrument	133739

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 4, 2048

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		$687,337 (+2%) Land $467,124 Building $220,213
2025	$7,931.00 (+8.85%)	$673,861 (+8.16%) Land $457,965 Building $215,896
2023	$7,286.00 (+39.42%)	$623,000 Land $423,000 Building $200,000
2022	$5,226.00

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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