4883 Palmetto Dr, Oceanside, CA 92057 Property Records

San Diego County property record for 4883 Palmetto Dr, Oceanside, CA 92057

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,411 sqft · built 1985
Lot Size	0.121 acres (5,284 sqft)
Owner	Individual Name on File
Last Sale	$268,000 (Jan 2009)
Tax Bill	$3,830 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Jul 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`157-640-13-00`

Property Details

APN / Parcel Number

Primary APN	`157-640-13-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,411 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Lot Area	5,284 sqft (0.121 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4883 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 13 TR 010783
Legal Subdivision	MURRAY MISSION
Legal Tract	010783
Legal Block	1
Legal Lot Number	13
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1000
Census Tract	18520

Owner

4883 Palmetto Dr is owned and occupied by an individual who bought it in January 2009.

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

Owner of Record	Individual Name on File
Mailing Address	4883 PALMETTO DR, OCEANSIDE, CA 92057-5415
Occupancy	Owner Occupied
Owner Type	Individual

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 16, 2026	Deed of Trust, Mortgage · FHA Mortgage GOODLEAP LC
Jul 28, 2023	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Aug 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jul 20, 2017	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 21, 2009 · Amount on File
Deed Sale	Jan 21, 2009 · Amount on File
Prior Sale	Aug 20, 2008 · Amount on File
Deed Document Number	200925828
Prior Transfer Date	Sep 19, 2005
Prior Transfer Doc	0000826209
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4883 PALMETTO DR, OCEANSIDE, CA 92057-5415
Transaction Type	Mortgage
Record Updated	Jan 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4883 PALMETTO DR, OCEANSIDE, CA 92057-5415

Mortgage

Document Number	0000013626
Date	Jan 16, 2026
Instrument	2026-0013626

Lender

Name	GOODLEAP LC
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4883 PALMETTO DR, OCEANSIDE, CA 92057-5415
Transaction Type	Mortgage
Record Updated	Aug 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4883 PALMETTO DR, OCEANSIDE, CA 92057-5415

Mortgage

Document Number	0000202564
Date	Jul 28, 2023
Instrument	2023-0202564

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4883 PALMETTO DR, OCEANSIDE, CA 92057-5415
Transaction Type	Mortgage
Record Updated	Aug 31, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4883 PALMETTO DR, OCEANSIDE, CA 92057-5415

Mortgage

Document Number	0000595830
Date	Aug 20, 2021
Instrument	2021-0595830

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	352 Months
Due	Dec 1, 2050

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	4883 PALMETTO DR, OCEANSIDE, CA 92057-5415
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE OF CALIFORNIA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000328500
Date	Jul 20, 2017
Instrument	2017-0328500

Lender

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

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 4883 Palmetto Dr was $3,830 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		$352,001 (+2%) Land $210,150 Building $141,851
2025	$3,830.00 Homeowner's exemption	$345,100 Land $206,030 Building $139,070
2023	$3,638.00 (+1.56%) Homeowner's exemption	$331,702 Land $198,031 Building $133,671
2022	$3,582.00

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

Flood

FEMA maps place 4883 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 4883 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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