3781 Cameo Dr, Oceanside, CA 92056 Property Records

San Diego County property record for 3781 Cameo Dr, Oceanside, CA 92056

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,612 sqft · built 1985
Lot Size	0.51 acres (22,216 sqft)
Owner	2 Company Names on Record
Last Sale	$685,000 (Apr 2021)
Tax Bill	$8,259 (2025)
Deeds & Mortgages	Sep 2023 Transfer Apr 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`165-601-17-00`

Property Details

APN / Parcel Number

Primary APN	`165-601-17-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,612 sqft Living Area

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Lot Area	22,216 sqft (0.51 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	3781 CAMEO DR
City	OCEANSIDE
State	CA
Zip	92056-6342
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 144 TR 010052
Legal Subdivision	MIRA COSTA ESTATES
Legal Tract	010052
Legal Block	1
Legal Lot Number	144
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	2 Company Names on Record
Mailing Address	3781 CAMEO DR, OCEANSIDE, CA 92056-6342
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2023	Intrafamily Transfer, Transfer
Apr 1, 2021	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 27, 2017	Deed of Trust, Mortgage · Conventional Mortgage SUMMIT FUNDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2021 · Amount on Record
Deed Sale	Apr 1, 2021 · Amount on Record
Prior Sale	Dec 30, 2016 · Amount on Record
Deed Document Number	2021255198
Last Transfer Date	Jul 25, 2023
Transfer Doc	0000244623
Record Updated	Sep 20, 2026

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 8, 2023
Property Address	3781 CAMEO DR, OCEANSIDE, CA 92056-6342
Document Number	0000244623
Map Reference	MAP 10052
Instrument Date	Jul 25, 2023
Instrument	2023-0244623
Transaction Type	Transfer
Record Updated	Sep 18, 2023

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	3781 CAMEO DR, OCEANSIDE, CA 92056-6342

April 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 1, 2021
Property Address	3781 CAMEO DR, OCEANSIDE, CA 92056-6342
Document Number	0000255198
Map Reference	MAP 10052
Instrument Date	Mar 31, 2021
Instrument	2021-0255198
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	CALIFORNIA TITLE COMPANY

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	Community Property with Right of Survivorship
Address	10675 CALLE MAR DE MARIPOSA APT 1109, 1109, SAN DIEGO, CA 92130-8735

Mortgage

Document Number	0000255199
Date	Apr 1, 2021
Instrument	2021-0255199

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3781 CAMEO DR, OCEANSIDE, CA 92056-6342
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000548647
Date	Nov 27, 2017
Instrument	2017-0548647

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company
Address	SACRAMENTO, CA 95815

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2047

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		$756,291 (+2%) Land $490,087 Building $266,204
2025	$8,259.00 (+5.21%) Homeowner's exemption	$741,463 (+4.04%) Land $480,478 Building $260,985
2023	$7,850.00 (+1.55%) Homeowner's exemption	$712,672 Land $461,821 Building $250,851
2022	$7,730.00

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 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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