1108 Prospect Pl, Vista, CA 92081 Property Records

San Diego County property record for 1108 Prospect Pl, Vista, CA 92081

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,128 sqft · built 1958
Lot Size	0.358 acres (15,604 sqft)
Owner	2 Individual Names on Record
Last Sale	$472,500 (Apr 2017)
Tax Bill	$6,176 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`179-270-33-00`

Property Details

APN / Parcel Number

Primary APN	`179-270-33-00`
Alternative APN	`1792800700`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Building Area	1,128 sqft Living Area

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Lot Area	15,604 sqft (0.358 acres)

Location & Zoning

Old Parcel Number	1792800700
Street Address	1108 PROSPECT PL
City	VISTA
State	CA
Zip	92081-6817
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOTS 299 & 300 POR TR 001984
Legal Subdivision	RANCHO VISTA ESTATES
Legal Tract	001984
Legal Block	4
Legal Lot Number	299,3
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	1108 PROSPECT PL, VISTA, CA 92081-6817
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Sep 21, 2019	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Apr 27, 2017	Grant Deed, Transfer · Conventional Mortgage RJS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 27, 2017 · Amount on Record
Deed Sale	Apr 27, 2017 · Amount on Record
Prior Sale	Nov 27, 1991 · Amount on Record
Deed Document Number	2017190278
Prior Transfer Date	Sep 25, 1995
Prior Transfer Doc	0000441204
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1108 PROSPECT PL, VISTA, CA 92081-6817
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ADVANTAGE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000474278
Date	Aug 21, 2020
Instrument	2020-0474278

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1108 PROSPECT PL, VISTA, CA 92081-6817
Document Number	0000430582
Instrument Date	Sep 21, 2019
Transaction Type	Mortgage
Record Updated	Oct 11, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1108 PROSPECT PL VISTA CA 920816817, VISTA, CA 92081-6817

Mortgage

Document Number	0000430582
Date	Sep 30, 2019
Instrument	430582

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 29, 2049

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 27, 2017
Property Address	1108 PROSPECT PL, VISTA, CA 92081-6817
Document Number	0000190278
Map Reference	MAP1984
Instrument Date	Apr 4, 2017
Instrument	2017-0190278
Transaction Type	Transfer
Record Updated	Aug 24, 2021
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	1108 PROSPECT PL, VISTA, CA 92081-6817

Mortgage

Document Number	0000190279
Date	Apr 27, 2017
Instrument	2017-0190279

Lender

Name	RJS INC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2047

Mortgage

Document Number	0000190280
Date	Apr 27, 2017
Instrument	2017-0190280

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 23, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$559,337 (+2%) Land $443,921 Building $115,416
2025	$6,176.00 (+8.69%) Homeowner's exemption	$548,370 (+4.04%) Land $435,217 Building $113,153
2023	$5,682.00 (+0.26%) Homeowner's exemption	$527,078 Land $418,318 Building $108,760
2022	$5,667.00

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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