San Diego County property record for 5220 Palmera Dr, Oceanside, CA 92056
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,664 sqft · built 1996 |
| Lot Size | 0.36 acres (15,668 sqft) |
| Owner | 2 Individuals on Record |
| Last Sale | $290,000 (Apr 1998) |
| Tax Bill | $5,751 (2025) |
| Deeds & Mortgages | Jan 2023 Line of Credit Mar 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 158-620-11-00 |
| Primary APN | 158-620-11-00 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,664 sqft Living Area |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Lot Area | 15,668 sqft (0.36 acres) |
| Parking Spaces | 3 Parking Spaces |
| Street Address | 5220 PALMERA DR |
|---|---|
| City | OCEANSIDE |
| State | CA |
| Zip | 92056-2116 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RE-B-HD |
| Legal Description | LOT 11 TR 013241 |
| Legal Subdivision | PALMERA |
| Legal Tract | 013241 |
| Legal Block | 3 |
| Legal Lot Number | 11 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | OCEANSIDE-ESCONDIDO |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 19301 |
Source: San Diego County assessment roll, as of July 21, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individuals on Record |
|---|---|
| Mailing Address | 5220 PALMERA DR, OCEANSIDE, CA 92056-2116 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jan 11, 2023 | Deed of Trust, Mortgage · Line of Credit ZB NA |
| Mar 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Nov 8, 2017 | Intrafamily Transfer, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL INC |
| Nov 9, 2017 | Quit Claim Deed, Transfer NEXTITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 23, 1998 · Amount on Record |
| Deed Sale | Apr 23, 1998 · Amount on Record |
| Prior Sale | Feb 9, 1996 · Amount on Record |
| Deed Document Number | 1998233297 |
| Last Transfer Date | Nov 7, 2017 |
| Transfer Doc | 0000524645 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 5220 PALMERA DR, OCEANSIDE, CA 92056-2116 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2023 |
| Name | Verified Name |
|---|---|
| Address | 5220 PALMERA DR, OCEANSIDE, CA 92056-2116 |
| Document Number | 0000007258 |
|---|---|
| Date | Jan 11, 2023 |
| Instrument | 2023-0007258 |
| Name | ZB NA |
|---|---|
| Type | Bank |
| Address | CARLSBAD, CA 92008 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 5220 PALMERA DR, OCEANSIDE, CA 92056-2116 |
| Transaction Type | Mortgage |
| Record Updated | Apr 7, 2021 |
| Name | Verified Name |
|---|---|
| Address | 522 PALMERA DR, OCEANSIDE, CA 92056 |
| Document Number | 0000239256 |
|---|---|
| Date | Mar 29, 2021 |
| Instrument | 2021-0239256 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Nov 8, 2017 |
| Property Address | 5220 PALMERA DR, OCEANSIDE, CA 92056-2116 |
| Document Number | 0000522315 |
| Map Reference | MAP13241 |
| Instrument Date | Nov 7, 2017 |
| Instrument | 2017-0522315 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2021 |
| Title Company | NEXTITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 5220 PALMERA DR, OCEANSIDE, CA 92056-2116 |
| Document Number | 0000522316 |
|---|---|
| Date | Nov 8, 2017 |
| Instrument | 2017-0522316 |
| Name | AMERIFIRST FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Dec 1, 2037 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Recording Date | Nov 9, 2017 |
| Property Address | 5220 PALMERA DR, OCEANSIDE, CA 92056-2116 |
| Document Number | 0000524645 |
| Instrument Date | Nov 7, 2017 |
| Instrument | 524645 |
| Transaction Type | Transfer |
| Record Updated | Nov 14, 2017 |
| Title Company | NEXTITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 5220 PALMERA DR OCEANSIDE CA 920562116, OCEANSIDE, CA 92056-2116 |
Source: San Diego County assessment roll, as of July 21, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Municipality | Oceanside City |
| Unified School District | Vista Unified School District (KG - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $507,108 (+2%) Land $86,452 Building $420,656 | |
| 2025 | $5,751.00 (+8.43%) Homeowner's exemption | $497,165 (+4.04%) Land $84,757 Building $412,408 |
| 2023 | $5,304.00 (+0.26%) Homeowner's exemption | $477,862 Land $81,467 Building $396,395 |
| 2022 | $5,290.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 | 1 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.8% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 584 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Fiber · Cable in parts of the area | 2,000 / 35 |
| San Diego Broadband Fixed Wireless | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL | 100 / 20 |
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