3978 Cameo Dr, Oceanside, CA 92056 Property Records

San Diego County property record for 3978 Cameo Dr, Oceanside, CA 92056

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,604 sqft · built 1973
Lot Size	0.195 acres (8,500 sqft)
Owner	2 Individual Names on File
Last Sale	$439,000 (Oct 2018)
Tax Bill	$5,581 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit May 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`166-592-20-00`

Property Details

APN / Parcel Number

Primary APN	`166-592-20-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,604 sqft Living Area

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Lot Area	8,500 sqft (0.195 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	3978 CAMEO DR
City	OCEANSIDE
State	CA
Zip	92056-3335
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-A
Legal Description	LOT 88 TR 006829
Legal Subdivision	ALTA VISTAS
Legal Tract	006829
Legal Block	1
Legal Lot Number	88
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1001
Census Tract	18516

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	3978 CAMEO DR, OCEANSIDE, CA 92056-3335
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2023	Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE
May 10, 2023	Deed of Trust, Mortgage · Line of Credit HOMEBRIDGE FINANCIAL SERVICES INC
Jan 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC
Oct 3, 2018	Grant Deed, Transfer · FHA Mortgage HOMEOWNERS FINANCIAL GROUP USA LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 3, 2018 · Amount on Record
Deed Sale	Oct 3, 2018 · Amount on Record
Prior Sale	Nov 28, 2012 · Amount on Record
Deed Document Number	2018412726
Prior Transfer Date	Nov 26, 2012
Prior Transfer Doc	0000744045
Record Updated	Sep 20, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3978 CAMEO DR, OCEANSIDE, CA 92056-3335
Transaction Type	Mortgage
Record Updated	Jan 2, 2024
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3978 CAMEO DR, OCEANSIDE, CA 92056-3335

Mortgage

Document Number	0000350664
Date	Dec 21, 2023
Instrument	2023-0350664

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3978 CAMEO DR, OCEANSIDE, CA 92056-3335
Transaction Type	Mortgage
Record Updated	May 19, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3978 CAMEODR, OCEANSIDE, CA 92056-3335

Mortgage

Document Number	0000121201
Date	May 10, 2023
Instrument	2023-0121201

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company
Address	82611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3978 CAMEO DR, OCEANSIDE, CA 92056-3335
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TICOR TTL ORANGE CNTY BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3978 CAMEO DR, OCEANSIDE, CA 92056-3335

Mortgage

Document Number	0000051912
Date	Jan 22, 2021
Instrument	2021-0051912

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

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

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 3, 2018
Property Address	3978 CAMEO DR, OCEANSIDE, CA 92056-3335
Document Number	0000412726
Map Reference	MAP 6829
Instrument Date	Aug 26, 2018
Instrument	2018-0412726
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	LAWYERS TITLE

Transaction

Amount	Amount Recorded
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	39788 CAMEO DR, OCEANSIDE, CA 92056

Mortgage

Document Number	0000412727
Date	Oct 3, 2018
Instrument	2018-0412727

Lender

Name	HOMEOWNERS FINANCIAL GROUP USA LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

Mortgage

Document Number	0000412729
Date	Oct 3, 2018
Instrument	2018-0412729

Lender

Name	HOMEOWNERS FINANCIAL GROUP USA LLC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85254

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded

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		$504,703 (+2%) Land $303,413 Building $201,290
2025	$5,581.00 (+6.26%)	$494,808 (+5.12%) Land $297,464 Building $197,344
2023	$5,252.00 (+1.53%)	$470,694 Land $281,012 Building $189,682
2022	$5,173.00

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	Not rated no burnable land within ember reach

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)
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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