Oceanside, California · 92056
Palmilla Del Oro is a gated, 120-unit condo community on Cameo Drive off Rancho Del Oro Drive, built in 1992, with detached garages and laundry in every unit. The Rancho Del Oro SPRINTER station is about half a mile away.
Palmilla Del Oro, October 2026
Dues from October 2026 MLS listings. VA status from the VA Condo Report, October 19, 2026. Drive time without traffic.
Palmilla Del Oro was built in 1992 in two-story buildings behind a gate, with a pool, a spa and a playground. Each unit gets a detached one-car garage plus one assigned space, and laundry is inside the unit.
Recent listings show a two-bedroom, two-bath at 1,008 square feet and a three-bedroom, two-bath at 1,297 square feet.
Dues were $475 to $480 a month in October 2026, covering water, trash, sewer, insurance and the grounds. Pets are allowed with restrictions, and owners who want to rent join the HOA's rental list, which has a cap.
I didn't find Palmilla Del Oro on the VA Condo Report as of October 19, 2026. That doesn't rule out a VA loan, but the lender would have to send the HOA's documents to VA for review first, and that adds time to escrow.
If you're planning to use VA here, tell me early so we can start that review before you're in contract. HOA dues count in the payment your lender qualifies you on, so I run the numbers with the dues included before you write an offer.
Dara Smith
Dual Active Duty Family · First-Time Buyers on PCS Orders from Okinawa
As first-time homebuyers, he made the VA process look seamless and explained everything to us in great detail. He was working with us from the beginning when we were still overseas in Japan. Being a dual-active military family, I would 100% recommend him. He truly supports and understands the military community and lifestyle, a veteran himself.
From Cameo Drive you can take Oceanside Boulevard to I-5 or Rancho Del Oro Drive to SR-76. The Main Gate is about 6.2 miles, around 10 minutes, and the San Luis Rey Gate about 7.7 miles, around 14 minutes. Drive times are without traffic or a line at the gate, so plan for more at rush hour.
Straight-line distances, approximate.
Palmilla Del Oro is in Oceanside Unified. Boundaries go by address, so I confirm the district for every home before you write an offer.
Four units were listed in mid-October 2026, asking $594,000 to $699,000. 3531 Cameo Drive #98 sold for $678,000 in May 2026.
Tell me what you're looking for and I'll send new Palmilla Del Oro listings as soon as they hit the MLS.
The questions I hear most about Palmilla Del Oro. If yours isn’t here, call or text and ask.
Ask Me a QuestionYes.
Yes, a detached one-car garage plus one assigned space.
$475 to $480 a month in October 2026, covering water, trash, sewer, insurance and the grounds.
Owners join the HOA's rental list, and the number of rentals is capped. California law doesn't let an HOA ban long-term rentals or cap them below 25 percent of units, but it can ban rentals of 30 days or less. Read the CC&Rs before you buy.
I didn't find it on the VA Condo Report as of October 19, 2026. A lender can submit the HOA's documents to VA for review, which adds time to escrow.
The Rancho Del Oro SPRINTER station is about half a mile away, straight line.
Tell me your budget and your timeline. I'll walk you through the payment with dues, the HOA documents and the VA steps.
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