4882 Palmetto Dr, Oceanside, CA 92057 Property Records

San Diego County property record for 4882 Palmetto Dr, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,140 sqft · built 1987
Lot Size	0.113 acres (4,931 sqft)
Owner	2 Individual Names on File
Last Sale	$274,000 (Jun 2012)
Tax Bill	$3,898 (2025)
Deeds & Mortgages	Jan 2020 Mortgage Mar 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`157-640-06-00`

Property Details

APN / Parcel Number

Primary APN	`157-640-06-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,140 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Conventional
Exterior Material	Stucco
Roof Material	Tile
Lot Area	4,931 sqft (0.113 acres)
Lot Dimensions	100 ft deep x 53 ft wide
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4882 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 4 TR 010783
Legal Subdivision	MURRAY MISSION
Legal Tract	010783
Legal Block	1
Legal Lot Number	4
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1000
Census Tract	18520

Owner

4882 Palmetto Dr is owned and occupied by two individuals who bought it in June 2012.

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

Owner of Record	2 Individual Names on File
Mailing Address	4882 PALMETTO DR, OCEANSIDE, CA 92057-5414
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jan 10, 2020	Deed of Trust, Mortgage · Conventional with PMI VETERANS UNITED HM LNS
Mar 5, 2019	Deed of Trust, Mortgage · Line of Credit NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 25, 2012 · Amount on File
Deed Sale	Jun 25, 2012 · Amount on File
Prior Sale	Jan 29, 2009 · Amount on File
Deed Document Number	2012368285
Prior Transfer Date	Jun 29, 2009
Prior Transfer Doc	0000365790
Record Updated	Oct 29, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4882 PALMETTO DR, OCEANSIDE, CA 92057-5414
Document Number	0000030737
Instrument Date	Jan 10, 2020
Transaction Type	Mortgage
Record Updated	Feb 5, 2020
Title Company	STEWART TITLE, STEWART TITLE/CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4882 PALMETTO DR OCEANSIDE CA 920575414, OCEANSIDE, CA 92057-5414

Mortgage

Document Number	0000030737
Date	Jan 21, 2020
Instrument	30737

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jan 20, 2050

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4882 PALMETTO DR, OCEANSIDE, CA 92057-5414
Document Number	0000155430
Instrument Date	Mar 5, 2019
Transaction Type	Mortgage
Record Updated	May 7, 2019
Title Company	FIRST AMERICAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4882 PALMETTO DR OCEANSIDE CA 920575414, OCEANSIDE, CA 92057-5414

Mortgage

Document Number	0000155430
Date	Apr 29, 2019
Instrument	155430

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Apr 28, 2059

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 4882 Palmetto Dr was $3,898.

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		$351,030 (+2%) Land $210,619 Building $140,411
2025	$3,898.00	$344,148 Land $206,490 Building $137,658
2023	$3,705.00 (+1.51%)	$330,786 Land $198,473 Building $132,313
2022	$3,650.00

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

Flood

FEMA maps place 4882 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 4882 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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