3897 Cameo Dr, Oceanside, CA 92056 Property Records

San Diego County property record for 3897 Cameo Dr, Oceanside, CA 92056

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,304 sqft · built 2002
Lot Size	0.159 acres (6,906 sqft)
Owner	Individual Name on File
Last Sale	$365,000 (May 2014)
Tax Bill	$4,974 (2025)
Deeds & Mortgages	Oct 2017 Mortgage May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`166-593-39-00`

Property Details

APN / Parcel Number

Primary APN	`166-593-39-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,304 sqft Living Area

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Lot Area	6,906 sqft (0.159 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	3897 CAMEO DR
City	OCEANSIDE
State	CA
Zip	92056-3307
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-A
Legal Description	PAR 2 TR PM15283
Legal Subdivision	CITY/OCEANSIDE
Legal Tract	1015283
Legal Block	1
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	Individual Name on File
Mailing Address	3897 CAMEO DR, OCEANSIDE, CA 92056-3307
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 25, 2017	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN PACIFIC MORTGAGE
May 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 28, 2014 · Amount on Record
Deed Sale	May 28, 2014 · Amount on Record
Prior Sale	Aug 11, 2010 · Amount on Record
Deed Document Number	2014218415
Prior Transfer Date	Feb 21, 2006
Prior Transfer Doc	0000135509
Record Updated	Sep 20, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3897 CAMEO DR, OCEANSIDE, CA 92056-3307
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG TITLE CO OF CA SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000496583
Date	Oct 25, 2017
Instrument	2017-0496583

Lender

Name	AMERICAN PACIFIC MORTGAGE
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

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

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3897 CAMEO DR, OCEANSIDE, CA 92056-3307
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000224644
Date	May 4, 2020
Instrument	2020-0224644

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2050

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		$456,373 (+2%) Land $288,238 Building $168,135
2025	$4,974.00 (+5.27%) Homeowner's exemption	$447,426 (+4.04%) Land $282,587 Building $164,839
2023	$4,725.00 (+1.55%) Homeowner's exemption	$430,054 Land $271,615 Building $158,439
2022	$4,653.00

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
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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