1045 Prospect Pl, Vista, CA 92081 Property Records

San Diego County property record for 1045 Prospect Pl, Vista, CA 92081

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,827 sqft · built 1980
Lot Size	0.393 acres (17,134 sqft)
Owner	2 Individual Names on Record
Last Sale	$595,000 (Nov 2016)
Tax Bill	$8,490 (2025)
Deeds & Mortgages	Oct 2020 Line of Credit Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`179-220-58-00`

Property Details

APN / Parcel Number

Primary APN	`179-220-58-00`
Alternative APN	`1792201700`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,827 sqft Living Area

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Lot Area	17,134 sqft (0.393 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	1792201700
Street Address	1045 PROSPECT PL
City	VISTA
State	CA
Zip	92081-6814
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 297 DOC91-176067 IN TR 001984
Legal Subdivision	RANCHO VISTA ESTATES
Legal Tract	001984
Legal Block	4
Legal Lot Number	297
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	4
Census Block	4000
Census Tract	19702

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	1045 PROSPECT PL, VISTA, CA 92081-6814
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2020	Deed of Trust, Mortgage · Line of Credit MISSION FCU
Jul 8, 2020	Quit Claim Deed, Transfer QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 8, 2016 · Amount on Record
Deed Sale	Nov 8, 2016 · Amount on Record
Prior Sale	Dec 3, 2008 · Amount on Record
Deed Document Number	2016606749
Last Transfer Date	Jul 2, 2020
Transfer Doc	0000358744
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1045 PROSPECT PL, VISTA, CA 92081-6814
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1045 PROSPECT PL, VISTA, CA 92081-6814

Mortgage

Document Number	0000640974
Date	Oct 21, 2020
Instrument	2020-0640974

Lender

Name	MISSION FCU
Type	Credit Union
Address	SAN DIEGO, CA 92191

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Oct 31, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 8, 2020
Property Address	1045 PROSPECT PL, VISTA, CA 92081-6814
Document Number	0000358744
Instrument Date	Jul 2, 2020
Instrument	358744
Transaction Type	Transfer
Record Updated	Jul 21, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE IE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1045 PROSPECT PL VISTA CA 920816814, VISTA, CA 92081-6814

Mortgage

Document Number	358745
Date	Jul 8, 2020
Instrument	358745

Lender

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

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 7, 2050

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		$704,348 (+2%) Land $337,815 Building $366,533
2025	$8,490.00 (+7.91%) Homeowner's exemption	$690,539 (+4.04%) Land $331,192 Building $359,347
2023	$7,868.00 (+0.24%) Homeowner's exemption	$663,727 Land $318,333 Building $345,394
2022	$7,849.00

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

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 Policies	6 in force
Nearby Flood Claims	2 (1980–2020)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Apr 2020 · 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 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 308 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks, Verizon.

Nearby Properties on Prospect Pl

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures