1040 Hardell Ln, Vista, CA 92084 Property Records

San Diego County property record for 1040 Hardell Ln, Vista, CA 92084

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,804 sqft · built 1977
Lot Size	1.13 acres (49,658 sqft)
Owner	2 Individual Names on File
Last Sale	$540,000 (Oct 2016)
Tax Bill	$7,117 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Nov 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`181-270-30-00`

Property Details

APN / Parcel Number

Primary APN	`181-270-30-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,804 sqft Living Area

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Lot Area	49,658 sqft
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1040 HARDELL LN
City	VISTA
State	CA
Zip	92084-6631
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	PAR 4 TR PM03792
Legal Subdivision	PARCEL MAP NO 3792
Legal Tract	3792
Legal Block	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1017
Census Tract	19208

Owner

1040 Hardell Ln is owned and occupied by two individuals who bought it in October 2016.

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

Owner of Record	2 Individual Names on File
Mailing Address	1040 HARDELL LN, VISTA, CA 92084-6631
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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
Apr 3, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Nov 17, 2021	Deed of Trust, Mortgage · VA Mortgage LOANFLIGHT LENDING LLC
Mar 8, 2021	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Jan 6, 2021	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC
Feb 12, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
Dec 7, 2017	Deed of Trust, Mortgage · VA Mortgage GLOBAL EQUITY FIN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 19, 2016 · Amount on File
Deed Sale	Oct 19, 2016 · Amount on File
Deed Document Number	2016563248
Prior Transfer Date	Jun 13, 1997
Prior Transfer Doc	0000296739
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 3, 2026
Property Address	1040 HARDELL LN, VISTA, CA 92084-6631
Document Number	0000092193
Instrument Date	Mar 29, 2026
Instrument	202692193
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1040 HARDELL LN, VISTA, CA 92084-6631

Mortgage

Document Number	0000092193,
Date	Apr 3, 2026
Instrument	202692193

Lender

Name	FIGURE LENDING LLC

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate	5.98%
Max Rate	-1%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1040 HARDELL LN, VISTA, CA 92084-6631
Transaction Type	Mortgage
Record Updated	Nov 26, 2021
Title Company	TRANSTAR NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1040 HARDELL LN, VISTA, CA 92084-6631

Mortgage

Document Number	0000794869
Date	Nov 17, 2021
Instrument	2021-0794869

Lender

Name	LOANFLIGHT LENDING LLC
Type	Mortgage Company
Address	TAMPA, FL 33602

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1040 HARDELL LN, VISTA, CA 92084-6631
Transaction Type	Mortgage
Record Updated	Mar 17, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1040 HARDELL LN, VISTA, CA 92084-6631

Mortgage

Document Number	0000176020
Date	Mar 8, 2021
Instrument	2021-0176020

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28277

Agreement

Type	Line of Credit
Amount	Amount on Record

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1040 HARDELL LN, VISTA, CA 92084-6631
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1040 HARDELL LN, VISTA, CA 92084-6631

Mortgage

Document Number	0000007588
Date	Jan 6, 2021
Instrument	2021-0007588

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2051

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1040 HARDELL LN, VISTA, CA 92084-6631
Document Number	0000096249
Instrument Date	Feb 12, 2020
Transaction Type	Mortgage
Record Updated	Mar 10, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1040 HARDELL LN VISTA CA 920846631, VISTA, CA 92084-6631

Mortgage

Document Number	0000096249
Date	Feb 26, 2020
Instrument	96249

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 25, 2050

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1040 HARDELL LN, VISTA, CA 92084-6631
Document Number	0000579826
Instrument Date	Dec 7, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1040 HARDELL LN VISTA CA 920846631, VISTA, CA 92084-6631

Mortgage

Document Number	0000579826
Date	Dec 13, 2017
Instrument	579826

Lender

Name	GLOBAL EQUITY FIN
Type	Funding / Finance Company
Address	SAN DIEGO, CA 92117

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 12, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1040 Hardell Ln was $7,117 with a veteran's exemption, up 6% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$639,239 (+2%) Land $205,851 Building $433,388
2025	$7,117.00 (+6.03%)	$626,706 Land $201,815 Building $424,891
2024	$6,712.00 (+2.47%)
2023	$6,550.00 (+0.24%)	$602,372 Land $193,979 Building $408,393
2022	$6,534.00

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

Flood

FEMA maps place 1040 Hardell Ln in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1998.

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 6 (20% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	2 (1998–1999)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Apr 1999 · 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

Wildfire risk around 1040 Hardell Ln is moderate, ranking above 53% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 53% of the US · lower than 68% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 193 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
San Diego Broadband Fixed Wireless	500 / 100
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

May also be available: Verizon.

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