1096 Prospect Pl, Vista, CA 92081 Property Records

San Diego County property record for 1096 Prospect Pl, Vista, CA 92081

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,344 sqft · built 1958
Lot Size	0.295 acres (12,864 sqft)
Owner	Company Name on Record
Last Sale	$70,000 (Aug 1986)
Tax Bill	$2,705 (2025)
Deeds & Mortgages	Dec 2019 Reverse Mortgage Dec 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`179-250-35-00`

Property Details

APN / Parcel Number

Primary APN	`179-250-35-00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	1,344 sqft Living Area

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Lot Area	12,864 sqft (0.295 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1096 PROSPECT PL
City	VISTA
State	CA
Zip	92081-6837
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 300 (EX ST)DOC86-363463 IN TR 001984
Legal Subdivision	RANCHO VISTA ESTATES
Legal Tract	001984
Legal Block	4
Legal Lot Number	300
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	4
Census Block	4001
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	Company Name on Record
Mailing Address	1096 PROSPECT PL, VISTA, CA 92081-6837
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Dec 9, 2019	Deed of Trust, Mortgage · Reverse Mortgage LONGBRIDGE FINANCIAL LLC
Dec 4, 2019	Deed of Trust, Mortgage · FHA Mortgage FEDERAL HSNG COMMISSIONER
Mar 8, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Mar 8, 2018	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 22, 1986 · Amount on Record
Deed Sale	Aug 22, 1986 · Amount on Record
Deed Document Number	1986363463
Last Transfer Date	Feb 26, 2018
Transfer Doc	0000091283
Record Updated	Sep 20, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1096 PROSPECT PL, VISTA, CA 92081-6837
Transaction Type	Mortgage
Record Updated	May 7, 2021
Title Company	TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000571541
Date	Dec 9, 2019
Instrument	2019-0571541

Lender

Name	LONGBRIDGE FINANCIAL LLC
Type	Reverse Mortgage Lender
Address	MAHWAH, NJ 07495

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	3.45%
Type Change Date	Jan 1, 2021
Change Frequency	Annually
Index	1-Year LIBOR

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1096 PROSPECT PL, VISTA, CA 92081-6837
Document Number	0000571542
Instrument Date	Dec 4, 2019
Transaction Type	Mortgage
Record Updated	Dec 19, 2019
Title Company	TICOR TITLE SAN DIEGO BR

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1096 PROSPECT PL VISTA CA 920816837, VISTA, CA 92081-6837

Mortgage

Document Number	0000571542
Date	Dec 9, 2019
Instrument	571542

Lender

Name	FEDERAL HSNG COMMISSIONER
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	3.45%

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 8, 2018
Property Address	1096 PROSPECT PL, VISTA, CA 92081-6837
Document Number	0000091284
Instrument Date	Feb 26, 2018
Instrument	91284
Transaction Type	Transfer
Record Updated	Mar 13, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1096 PROSPECT PL VISTA CA 920816837, VISTA, CA 92081-6837

March 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 8, 2018
Property Address	1096 PROSPECT PL, VISTA, CA 92081-6837
Document Number	0000091283
Instrument Date	Feb 26, 2018
Instrument	91283
Transaction Type	Transfer
Record Updated	Mar 13, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1096 PROSPECT PL VISTA CA 920816837, VISTA, CA 92081-6837

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		$181,977 (+2%) Land $71,670 Building $110,307
2025	$2,705.00 (+6.29%) Homeowner's exemption	$178,410 (+4.04%) Land $70,265 Building $108,145
2023	$2,545.00 (+0.28%) Homeowner's exemption	$171,485 Land $67,538 Building $103,947
2022	$2,538.00

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.

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