3778 Cameo Dr, Oceanside, CA 92056 Property Records

San Diego County property record for 3778 Cameo Dr, Oceanside, CA 92056

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,328 sqft · built 1985
Lot Size	0.285 acres (12,417 sqft)
Owner	Individual Name on Record
Last Sale	$515,000 (Dec 2017)
Tax Bill	$6,522 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Oct 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`165-601-14-00`

Property Details

APN / Parcel Number

Primary APN	`165-601-14-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,328 sqft Living Area

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Lot Area	12,417 sqft (0.285 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	3778 CAMEO DR
City	OCEANSIDE
State	CA
Zip	92056-6343
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 132 TR 010052
Legal Subdivision	MIRACOSTA ESTATES
Legal Tract	010052
Legal Block	1
Legal Lot Number	132
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1007
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	Individual Name on Record
Mailing Address	3778 CAMEO DR, OCEANSIDE, CA 92056-6343
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 16, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage AMERISAVE MORTGAGE CORP
Dec 27, 2017	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Jun 15, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 27, 2017 · Amount on Record
Deed Sale	Dec 27, 2017 · Amount on Record
Prior Sale	Jul 8, 2008 · Amount on Record
Deed Document Number	2017609839
Last Transfer Date	Oct 5, 2020
Transfer Doc	0000630264
Record Updated	Oct 29, 2026

October 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 16, 2020
Property Address	3778 CAMEO DR, OCEANSIDE, CA 92056-6343
Document Number	0000630264
Map Reference	MAP 10052
Instrument Date	Oct 5, 2020
Instrument	2020-0630264
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	TICOR TITLE COMPANY

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	3778 CAMEO DR, OCEANSIDE, CA 92056-6343

Mortgage

Document Number	0000630265
Date	Oct 16, 2020
Instrument	2020-0630265

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

October 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 16, 2019
Property Address	3778 CAMEO DR, OCEANSIDE, CA 92056-6343
Document Number	0000464719
Map Reference	MAP 10052
Instrument Date	Aug 17, 2019
Instrument	2019-0464719
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	SOLIDIFI

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	3778 CAMEO DR, OCEANSIDE, CA 92056-6343

Mortgage

Document Number	0000464720
Date	Oct 16, 2019
Instrument	2019-0464720

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Sep 1, 2049

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 27, 2017
Property Address	3778 CAMEO DR, OCEANSIDE, CA 92056-6343
Document Number	0000609839
Map Reference	MAP 10052
Instrument Date	Dec 15, 2017
Instrument	2017-0609839
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN TITLE

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	3778 CAMEO DR, OCEANSIDE, CA 92056-6343

Mortgage

Document Number	0000609840
Date	Dec 27, 2017
Instrument	2017-0609840

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 15, 2017
Property Address	3778 CAMEO DR, OCEANSIDE, CA 92056-6343
Document Number	0000268796
Instrument Date	Jun 14, 2017
Instrument	268796
Transaction Type	Transfer
Record Updated	Jun 20, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3778 CAMEO DR OCEANSIDE CA 920566343, OCEANSIDE, CA 92056-6343

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		$597,694 (+2%) Land $333,142 Building $264,552
2025	$6,522.00 (+5.23%) Homeowner's exemption	$585,975 (+4.04%) Land $326,610 Building $259,365
2023	$6,198.00 (+1.57%) Homeowner's exemption	$563,223 Land $313,928 Building $249,295
2022	$6,102.00

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	Low lower than 98% of the US · lower than 98.4% 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 563 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
FiberFirst Fiber	5,000 / 5,000
Cox Communications Cable	2,000 / 100
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: GeoLinks, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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