4874 Palmetto Dr, Oceanside, CA 92057 Property Records

San Diego County property record for 4874 Palmetto Dr, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,411 sqft · built 1987
Lot Size	0.112 acres (4,863 sqft)
Owner	Company Name on File
Last Sale	$800,000 (Aug 2022)
Tax Bill	$4,942 (2025)
Deeds & Mortgages	Aug 2022 Transfer Aug 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`157-640-04-00`

Property Details

APN / Parcel Number

Primary APN	`157-640-04-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,411 sqft Living Area

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Lot Area	4,863 sqft (0.112 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	4874 PALMETTO DR
City	OCEANSIDE
State	CA
Zip	92057-5414
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM-A
Legal Description	LOT 6 TR 010783
Legal Subdivision	MURRAY MISSION
Legal Tract	010783
Legal Block	1
Legal Lot Number	6
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1000
Census Tract	18520

Owner

4874 Palmetto Dr is owned by a company that bought it in August 2022 and is owner-occupied.

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

Owner of Record	Company Name on File
Mailing Address	4874 PALMETTO DR, OCEANSIDE, CA 92057-5414
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
Aug 4, 2022	Intrafamily Transfer, Transfer PACIFIC COAST TITLE COMPANY
Aug 4, 2022	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 30, 2017	Deed of Trust, Mortgage · ARM WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 4, 2022 · Amount on File
Deed Sale	Aug 4, 2022 · Amount on File
Prior Sale	Mar 18, 2011 · Amount on File
Deed Document Number	2022317479
Prior Transfer Date	Jul 29, 2022
Prior Transfer Doc	0000317478
Record Updated	Oct 29, 2026

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 4, 2022
Property Address	4874 PALMETTO DR, OCEANSIDE, CA 92057-5414
Document Number	0000317478
Map Reference	MAP 10783
Instrument Date	Jul 29, 2022
Instrument	2022-0317478
Transaction Type	Transfer
Record Updated	Aug 17, 2022
Title Company	PACIFIC COAST TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	796 KNOLL PARK LN, FALLBROOK, CA 92028-1718

August 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 4, 2022
Property Address	4874 PALMETTO DR, OCEANSIDE, CA 92057-5414
Document Number	0000317479
Map Reference	MAP 10783
Instrument Date	Jul 12, 2022
Instrument	2022-0317479
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	PACIFIC COAST TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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	Family Trust
Address	8659 HAVEN AVE STE 100, 100, RANCHO CUCAMONGA, CA 91730-4893

Mortgage

Document Number	0000317480
Date	Aug 4, 2022
Instrument	2022-0317480

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4874 PALMETTO DR, OCEANSIDE, CA 92057-5414
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ORANGE COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000144700
Date	Mar 30, 2017
Instrument	2017-0144700

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2022
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.5%
Index	1-Year LIBOR
Max Rate	8.5%

Tax Assessment & Valuation

The 2025 property tax bill for 4874 Palmetto Dr was $4,942 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		$453,504 (+2%) Land $303,394 Building $150,110
2025	$4,942.00 Homeowner's exemption	$444,613 Land $297,446 Building $147,167
2023	$4,696.00 (+36%) Homeowner's exemption	$427,350 Land $285,897 Building $141,453
2022	$3,453.00

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

Flood

FEMA maps place 4874 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 4874 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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