4879 Palmetto Dr, Oceanside, CA 92057 Property Records

San Diego County property record for 4879 Palmetto Dr, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,307 sqft · built 1985
Lot Size	0.115 acres (4,995 sqft)
Owner	2 Trust Names on File
Last Sale	$189,000 (Sep 2000)
Tax Bill	$3,234 (2025)
Deeds & Mortgages	May 2026 Mortgage Dec 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`157-640-14-00`

Property Details

APN / Parcel Number

Primary APN	`157-640-14-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,307 sqft Living Area

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Lot Area	4,995 sqft (0.115 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	4879 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 14 TR 010783
Legal Subdivision	MURRAY MISSION
Legal Tract	010783
Legal Block	1
Legal Lot Number	14
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1000
Census Tract	18520

Owner

4879 Palmetto Dr is owner-occupied and held in a trust since July 2024.

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

Owner of Record	2 Trust Names on File
Mailing Address	4879 PALMETTO DR, OCEANSIDE, CA 92057-5415
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
May 12, 2026	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC
Dec 20, 2023	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC
Jun 29, 2021	Deed of Trust, Mortgage · Line of Credit MISSION FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 28, 2000 · Amount on File
Deed Sale	Sep 28, 2000 · Amount on File
Prior Sale	Aug 31, 1999 · Amount on File
Deed Document Number	2000518652
Last Transfer Date	Jul 31, 2024
Transfer Doc	0000201413
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	May 12, 2026
Property Address	4879 PALMETTO DR, OCEANSIDE, CA 92057-5415
Document Number	0000135054
Instrument Date	May 7, 2026
Instrument	2026135054
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	CSC DOCUMENT RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust, 212
Address	4879 PALMETTO DR, OCEANSIDE, CA 92057-5415

Mortgage

Document Number	0000135054,
Date	May 12, 2026
Instrument	2026135054

Lender

Name	NEWREZ LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.74%
Initial Type	Fixed Rate
Max Rate	-1%

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4879 PALMETTO DR, OCEANSIDE, CA 92057-5415
Transaction Type	Mortgage
Record Updated	Jan 1, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4879 PALMETTO DR, OCEANSIDE, CA 92057-5415

Mortgage

Document Number	0000348541
Date	Dec 20, 2023
Instrument	2023-0348541

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2039

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4879 PALMETTO DR, OCEANSIDE, CA 92057-5415
Transaction Type	Mortgage
Record Updated	Jul 8, 2021
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4879 PALMETTO DR, OCEANSIDE, CA 92057-5415

Mortgage

Document Number	0000468540
Date	Jun 29, 2021
Instrument	2021-0468540

Lender

Name	MISSION FCU
Type	Credit Union
Address	SAN DIEGO, CA 92191

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	302 Months
Due	Jul 31, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 4879 Palmetto Dr was $3,234, up 2% from the year before.

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		$290,460 (+2%) Land $111,709 Building $178,751
2025	$3,234.00 (+1.95%)	$284,766 Land $109,519 Building $175,247
2024	$3,172.00 (+3.15%)
2023	$3,075.00 (+1.55%)	$273,710 Land $105,267 Building $168,443
2022	$3,028.00

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

Flood

FEMA maps place 4879 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 4879 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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