3891 Cameo Dr, Oceanside, CA 92056 Property Records

San Diego County property record for 3891 Cameo Dr, Oceanside, CA 92056

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,780 sqft · built 1982
Lot Size	0.74 acres (32,234 sqft)
Owner	2 Individual Names on File
Last Sale	$575,000 (Aug 2020)
Tax Bill	$6,929 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Aug 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`166-702-45-00`

Property Details

APN / Parcel Number

Primary APN	`166-702-45-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,780 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	32,234 sqft (0.74 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3891 CAMEO DR
City	OCEANSIDE
State	CA
Zip	92056-3307
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	LOT 84 TR 009331
Legal Subdivision	MIRA COSTA ESTATES
Legal Tract	009331
Legal Block	1
Legal Lot Number	84
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1000
Census Tract	18517

Owner

Source: San Diego County assessment roll, as of July 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	3891 CAMEO DR, OCEANSIDE, CA 92056-3307
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 30, 2023	Deed of Trust, Mortgage · Line of Credit SCHOOLSFIRST FCU
Aug 26, 2020	Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Jan 31, 2019	Quit Claim Deed, Transfer · Conventional Mortgage QUICKEN LNS
Aug 13, 2018	Quit Claim Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 26, 2020 · Amount on Record
Deed Sale	Aug 26, 2020 · Amount on Record
Prior Sale	Apr 2, 2010 · Amount on Record
Deed Document Number	2020489061
Prior Transfer Date	May 4, 1998
Prior Transfer Doc	0000259177
Record Updated	Sep 20, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3891 CAMEO DR, OCEANSIDE, CA 92056-3307
Transaction Type	Mortgage
Record Updated	Nov 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3891 CAMEO DR, OCEANSIDE, CA 92056-3307

Mortgage

Document Number	0000297874
Date	Oct 30, 2023
Instrument	2023-0297874

Lender

Name	SCHOOLSFIRST FCU
Type	Credit Union
Address	TUSTIN, CA 92780

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 26, 2020
Property Address	3891 CAMEO DR, OCEANSIDE, CA 92056-3307
Document Number	0000489061
Map Reference	MAP 9331
Instrument Date	Aug 14, 2020
Instrument	2020-0489061
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	322 S MICHIGAN ST, REDLANDS, CA 92373-5161

Mortgage

Document Number	0000489062
Date	Aug 26, 2020
Instrument	2020-0489062

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

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

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 31, 2019
Property Address	3891 CAMEO DR, OCEANSIDE, CA 92056-3307
Document Number	0000035553
Instrument Date	Jan 28, 2019
Instrument	35553
Transaction Type	Transfer
Record Updated	Feb 7, 2019
Title Company	LAWYERS TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1977 CAMBRIDGE PL WALNUT CREEK CA 945981111, WALNUT CREEK, CA 94598-1111

Mortgage

Document Number	35554
Date	Jan 31, 2019
Instrument	35554

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 30, 2049

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 13, 2018
Property Address	3891 CAMEO DR, OCEANSIDE, CA 92056-3307
Document Number	0000330890
Instrument Date	Aug 13, 2018
Instrument	330890
Transaction Type	Transfer
Record Updated	Nov 21, 2018
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1977 CAMBRIDGE PL WALNUT CREEK CA 945981111, WALNUT CREEK, CA 94598-1111

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 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		$634,842 (+2%) Land $430,059 Building $204,783
2025	$6,929.00 (+5.24%) Homeowner's exemption	$622,395 (+4.04%) Land $421,627 Building $200,768
2023	$6,584.00 (+1.54%) Homeowner's exemption	$598,228 Land $405,255 Building $192,973
2022	$6,484.00

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	Direct burnable vegetation at the parcel

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)
Generate-Ubiquity Holdings Fiber	5,000 / 5,000
Cox Communications Cable	2,000 / 100
T-Mobile USA Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: California Internet, Verizon.

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