3742 Cameo Dr, Oceanside, CA 92056 Property Records

San Diego County property record for 3742 Cameo Dr, Oceanside, CA 92056

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,823 sqft · built 1987
Lot Size	0.359 acres (15,629 sqft)
Owner	2 Company Names on Record
Last Sale	$495,000 (Feb 2018)
Tax Bill	$8,193 (2025)
Deeds & Mortgages	Sep 2022 Second Mortgage Dec 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`165-601-27-00`

Property Details

APN / Parcel Number

Primary APN	`165-601-27-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,823 sqft Living Area

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Lot Area	15,629 sqft (0.359 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	3742 CAMEO DR
City	OCEANSIDE
State	CA
Zip	92056-6341
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 194 TR 010052
Legal Subdivision	MIRA COSTA ESTATES
Legal Tract	010052
Legal Block	1
Legal Lot Number	194
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1001
Census Tract	18516

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 Company Names on Record
Mailing Address	3742 CAMEO DR, OCEANSIDE, CA 92056-6341
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage USALLIANCE FCU
Dec 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jul 30, 2020	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 9, 2018	Grant Deed, Transfer · Conventional with PMI LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 9, 2018 · Amount on Record
Deed Sale	Feb 9, 2018 · Amount on Record
Prior Sale	Jul 1, 1998 · Amount on Record
Deed Document Number	201854166
Last Transfer Date	Jan 4, 2025
Transfer Doc	0000011133
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3742 CAMEO DR, OCEANSIDE, CA 92056-6341
Transaction Type	Mortgage
Record Updated	Sep 23, 2022
Title Company	EQUITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3742 CAMEO DR, OCEANSIDE, CA 92056-6341

Mortgage

Document Number	0000363760
Date	Sep 14, 2022
Instrument	2022-0363760

Lender

Name	USALLIANCE FCU
Type	Credit Union
Address	CHELMSFORD, MA 01824

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2042

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3742 CAMEO DR, OCEANSIDE, CA 92056-6341
Transaction Type	Mortgage
Record Updated	Dec 17, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3742 CAMEO DR, OCEANSIDE, CA 92056-6341

Mortgage

Document Number	0000833580
Date	Dec 9, 2021
Instrument	2021-0833580

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Oct 1, 2051

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 30, 2020
Property Address	3742 CAMEO DR, OCEANSIDE, CA 92056-6341
Document Number	0000420753
Map Reference	MAP 10052
Instrument Date	Jul 9, 2020
Instrument	2020-0420753
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	CORINTHIAN TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
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	3742 CAMEO DR, OCEANSIDE, CA 92056-6341

Mortgage

Document Number	0000420754
Date	Jul 30, 2020
Instrument	2020-0420754

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

February 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 9, 2018
Property Address	3742 CAMEO DR, OCEANSIDE, CA 92056-6341
Document Number	0000054166
Instrument Date	Jan 17, 2018
Instrument	54166
Transaction Type	Transfer
Record Updated	Feb 14, 2018
Title Company	TICOR TITLE SAN DIEGO BR

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$544.50
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	3742 CAMEO DR OCEANSIDE CA 920566341, OCEANSIDE, CA 92056-6341

Mortgage

Document Number	54167
Date	Feb 9, 2018
Instrument	54167

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Feb 8, 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		$750,240 (+2%) Land $330,553 Building $419,687
2025	$8,193.00 (+21.25%) Homeowner's exemption	$735,530 (+19.83%) Land $324,072 Building $411,458
2023	$6,757.00 (+1.56%) Homeowner's exemption	$613,834 Land $311,489 Building $302,345
2022	$6,653.00

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

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	Not rated no burnable land within 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	CITY OF OCEANSIDE serves 174,340 people · EPA ID CA3710014
Water Source	Purchased surface water from several systems
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

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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