102 Stephanie Ln, Vista, CA 92084 Property Records

San Diego County property record for 102 Stephanie Ln, Vista, CA 92084

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,833 sqft · built 1986
Lot Size	0.54 acres (23,522 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,080,000 (Sep 2025)
Tax Bill	$5,941 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Oct 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`177-183-25-00`

Property Details

APN / Parcel Number

Primary APN	`177-183-25-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,833 sqft Living Area

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Lot Area	23,522 sqft (0.54 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	102 STEPHANIE LN
City	VISTA
State	CA
Zip	92084-5316
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	E-1
Legal Description	PAR C TR PM08285
Legal Subdivision	CITY/VISTA
Legal Tract	8285
Legal Block	2
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1002
Census Tract	19601

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	102 STEPHANIE LN, VISTA, CA 92084-5316
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Sep 19, 2025	Grant Deed, Transfer · Conventional Mortgage STIFEL BANK & TRUST
Oct 29, 2021	Affidavit of Death of Joint Tenant, Transfer
Oct 29, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 19, 2025 · Amount on Record
Deed Sale	Sep 19, 2025 · Amount on Record
Prior Sale	Mar 14, 2025 · Amount on Record
Deed Document Number	2025260829
Prior Transfer Date	Sep 27, 1993
Prior Transfer Doc	0000649046
Record Updated	Oct 29, 2026

September 2025: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 19, 2025
Property Address	102 STEPHANIE LN, VISTA, CA 92084-5316
Document Number	0000260829
Map Reference	FILE 79-019070
Instrument Date	Sep 8, 2025
Instrument	2025-0260829
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	102 STEPHANIE LN, VISTA, CA 92084-5316

Mortgage

Document Number	0000260830
Date	Sep 19, 2025
Instrument	2025-0260830

Lender

Name	STIFEL BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Type Change Date	Oct 1, 2030
Change Frequency	6 Months
Min Rate At Change	3.62%
Max Rate At Change	7.62%
Index	SOFR Average 30-Day
Margin	3
Max Rate	10.6%

October 2021: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 29, 2021
Property Address	102 STEPHANIE LN, VISTA, CA 92084-5316
Document Number	0000755807
Map Reference	PG 79-019070
Instrument Date	Oct 13, 2021
Instrument	2021-0755807
Transaction Type	Transfer
Record Updated	Nov 8, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	102 STEPHANIE LN, VISTA, CA 92084-5316

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 29, 2021
Property Address	102 STEPHANIE LN, VISTA, CA 92084-5316
Document Number	0000755808
Map Reference	FILE 79-019070
Instrument Date	Oct 13, 2021
Instrument	2021-0755808
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	102 STEPHANIE LN, VISTA, CA 92084-5316

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Municipality	Vista City
Unified School District	Vista Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$1,080,000 (+132.04%) Land $839,378 Building $240,622
2025	$5,941.00 (+7.57%) Homeowner's exemption	$465,429 (+4.04%) Land $248,352 Building $217,077
2023	$5,523.00 (+0.25%) Homeowner's exemption	$447,358 Land $238,709 Building $208,649
2022	$5,509.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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
Nearby Flood Claims	1 (1978)
Most Recent Claim	Mar 1978 · rainfall accumulation

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 66% of the US · lower than 80% of California
Wildfire Likelihood	0.02% 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	VISTA IRRIGATION DISTRICT serves 134,501 people · EPA ID CA3710027
Water Source	Surface water
Last State Inspection	Nov 2023
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 326 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Starlink Satellite	280 / 30

May also be available: AT&T, San Diego Broadband, T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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