4871 Palmetto Dr, Oceanside, CA 92057 Property Records

San Diego County property record for 4871 Palmetto Dr, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,344 sqft · built 1987
Lot Size	0.127 acres (5,521 sqft)
Owner	Company Name on File
Last Sale	$270,000 (Jul 2012)
Tax Bill	$3,689 (2025)
Deeds & Mortgages	Sep 2021 Line of Credit Apr 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`157-640-16-00`

Property Details

APN / Parcel Number

Primary APN	`157-640-16-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,344 sqft Living Area

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Lot Area	5,521 sqft (0.127 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	4871 PALMETTO DR
City	OCEANSIDE
State	CA
Zip	92057-5415
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-A
Legal Description	LOT 16 TR 010783
Legal Subdivision	MURRAY MISSION
Legal Tract	010783
Legal Block	1
Legal Lot Number	16
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1000
Census Tract	18520

Owner

4871 Palmetto Dr is owned by a company that acquired it in April 2019 and is owner-occupied.

Source: San Diego County records, as of July 28, 2026

Owner of Record	Company Name on File
Mailing Address	4871 PALMETTO DR, OCEANSIDE, CA 92057-5415
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 3, 2021	Deed of Trust, Mortgage · Line of Credit SAN DIEGO COUNTY CU
Apr 26, 2017	Deed of Trust, Mortgage · Conventional Mortgage PACIFIC UNION FINANCIAL LLC
Jun 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANPAL LLC
May 3, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 31, 2012 · Amount on File
Deed Sale	Jul 31, 2012 · Amount on File
Prior Sale	May 13, 2008 · Amount on File
Deed Document Number	2012443825
Last Transfer Date	Apr 24, 2019
Transfer Doc	0000164971
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4871 PALMETTO DR, OCEANSIDE, CA 92057-5415
Transaction Type	Mortgage
Record Updated	Sep 15, 2021
Title Company	ATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4871 PALMETTO DR, OCEANSIDE, CA 92057-5415

Mortgage

Document Number	0000629879
Date	Sep 3, 2021
Instrument	2021-0629879

Lender

Name	SAN DIEGO COUNTY CU
Type	Credit Union
Address	SAN DIEGO, CA 92196

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 31, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4871 PALMETTO DR, OCEANSIDE, CA 92057-5415
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000186081
Date	Apr 26, 2017
Instrument	2017-0186081

Lender

Name	PACIFIC UNION FINANCIAL LLC
Type	Lending Institution
Address	IRVING, TX 75063

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2047

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4871 PALMETTO DR, OCEANSIDE, CA 92057-5415
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NATIONAL CLOSING SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000308328
Date	Jun 15, 2020
Instrument	2020-0308328

Lender

Name	LOANPAL LLC
Type	Non-Lending Institution
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jul 1, 2040

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 3, 2019
Property Address	4871 PALMETTO DR, OCEANSIDE, CA 92057-5415
Document Number	0000164971
Instrument Date	Apr 24, 2019
Instrument	164971
Transaction Type	Transfer
Record Updated	May 10, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4871 PALMETTO DR OCEANSIDE CA 920575415, OCEANSIDE, CA 92057-5415

Tax Assessment & Valuation

The 2025 property tax bill for 4871 Palmetto Dr was $3,689 with a homeowner's exemption.

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		$339,120 (+2%) Land $181,275 Building $157,845
2025	$3,689.00 Homeowner's exemption	$332,471 Land $177,721 Building $154,750
2023	$3,504.00 (+1.57%) Homeowner's exemption	$319,563 Land $170,821 Building $148,742
2022	$3,450.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 4871 Palmetto Dr in Zone X, an area of minimal flood risk.

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	2 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

Wildfire risk around 4871 Palmetto Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 96% 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	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 505 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
San Diego Broadband Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

May also be available: T-Mobile.

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