3856 Cameo Dr, Oceanside, CA 92056 Property Records

San Diego County property record for 3856 Cameo Dr, Oceanside, CA 92056

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,328 sqft · built 1984
Lot Size	0.349 acres (15,187 sqft)
Owner	2 Company Names on Record
Last Sale	$105,000 (Oct 1986)
Tax Bill	$2,264 (2025)
Deeds & Mortgages	May 2026 Transfer May 2026 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`166-701-27-00`

Property Details

APN / Parcel Number

Primary APN	`166-701-27-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,328 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	15,187 sqft (0.349 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3856 CAMEO DR
City	OCEANSIDE
State	CA
Zip	92056-3308
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 95 TR 009331
Legal Subdivision	MIRA COSTA ESTATES
Legal Tract	009331
Legal Block	1
Legal Lot Number	95
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	3856 CAMEO DR, OCEANSIDE, CA 92056-3308
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
May 22, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
May 5, 2026	Deed of Trust, Mortgage · Line of Credit STEWART TITLE/NW FLORIDA, STEWART TITLE OF CALIFORNIA
Aug 31, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 17, 1986 · Amount on Record
Deed Sale	Oct 17, 1986 · Amount on Record
Prior Sale	Apr 29, 1983 · Amount on Record
Deed Document Number	1986470826
Last Transfer Date	May 21, 2026
Transfer Doc	0000147585
Record Updated	Oct 29, 2026

May 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 22, 2026
Property Address	3856 CAMEO DR, OCEANSIDE, CA 92056-3308
Document Number	0000147585
Instrument Date	May 21, 2026
Instrument	2026147585
Transaction Type	Transfer
Record Updated	Aug 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant
Address	3856 CAMEO DR, OCEANSIDE, CA 92056-3308

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	May 5, 2026
Property Address	3856 CAMEO DR, OCEANSIDE, CA 92056-3308
Document Number	0000127965
Instrument Date	Apr 27, 2026
Instrument	2026127965
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	STEWART TITLE/NW FLORIDA, STEWART TITLE OF CALIFORNIA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	3856 CAMEO DR, OCEANSIDE, CA 92056-3308

Mortgage

Document Number	0000127965,
Date	May 5, 2026
Instrument	2026127965

Lender

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	May 24, 2051

Interest

Rate	6.38%
Max Rate	-1%

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3856 CAMEO DR, OCEANSIDE, CA 92056-3308
Document Number	0000398161
Instrument Date	Aug 31, 2019
Transaction Type	Mortgage
Record Updated	Sep 19, 2019
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3856 CAMEO DR OCEANSIDE CA 920563308, OCEANSIDE, CA 92056-3308

Mortgage

Document Number	0000398161
Date	Sep 12, 2019
Instrument	398161

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$209,049 (+2%) Land $79,335 Building $129,714
2025	$2,264.00 (+2.03%) Homeowner's exemption	$204,951 (+4.04%) Land $77,780 Building $127,171
2024	$2,219.00 (+3.26%)
2023	$2,149.00 (+1.61%) Homeowner's exemption	$196,994 Land $74,760 Building $122,234
2022	$2,115.00

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 96% of the US · lower than 97.4% of California
Wildfire Likelihood	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	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 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.

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