114 Stephanie Ln, Vista, CA 92084 Property Records

San Diego County property record for 114 Stephanie Ln, Vista, CA 92084

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,606 sqft · built 1988
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on Record
Last Sale	$575,000 (Dec 2016)
Tax Bill	$8,222 (2025)
Deeds & Mortgages	Jul 2023 Construction Loan Dec 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`177-183-23-00`

Property Details

APN / Parcel Number

Primary APN	`177-183-23-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,606 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Material	Tile
Lot Area	21,780 sqft (0.5 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	114 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 A TR PM08285
Legal Subdivision	PARCEL MAP NO 8285
Legal Tract	8285
Legal Block	1
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	114 STEPHANIE LN, VISTA, CA 92084-5316
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 17, 2023	Deed of Trust, Mortgage · Construction Mortgage DISCOVER BANK
Dec 21, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 16, 2019	Quit Claim Deed, Transfer BNT TITLE COMPANY/CA, BNT TITLE CO/CA
Sep 16, 2019	Quit Claim Deed, Transfer · Conventional Mortgage CASHCALL
Jun 24, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 16, 2016 · Amount on Record
Deed Sale	Dec 16, 2016 · Amount on Record
Prior Sale	Aug 24, 1989 · Amount on Record
Deed Document Number	2016689353
Prior Transfer Date	Aug 16, 1993
Prior Transfer Doc	0000550103
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	114 STEPHANIE LN, VISTA, CA 92084-5316
Transaction Type	Mortgage
Record Updated	Jul 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	114 STEPHANIE LN, VISTA, CA 92084-5316

Mortgage

Document Number	0000185516
Date	Jul 17, 2023
Instrument	2023-0185516

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 10, 2053

December 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 21, 2020
Property Address	114 STEPHANIE LN, VISTA, CA 92084-5316
Document Number	0000818902
Instrument Date	Nov 12, 2020
Instrument	2020-0818902
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIDELITY NATIONAL AGENCY SLN

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
Relationship	Community Property with Right of Survivorship
Address	114 STEPHANIE LN, VISTA, CA 92084-5316

Mortgage

Document Number	0000818903
Date	Dec 21, 2020
Instrument	2020-0818903

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 16, 2019
Property Address	114 STEPHANIE LN, VISTA, CA 92084-5316
Document Number	0000401651
Instrument Date	Aug 15, 2019
Instrument	401651
Transaction Type	Transfer
Record Updated	Sep 24, 2019
Title Company	BNT TITLE COMPANY/CA, BNT TITLE CO/CA

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	114 STEPHANIE LN VISTA CA 920845316, VISTA, CA 92084-5316

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 16, 2019
Property Address	114 STEPHANIE LN, VISTA, CA 92084-5316
Document Number	0000401652
Instrument Date	Aug 15, 2019
Instrument	401652
Transaction Type	Transfer
Record Updated	Sep 24, 2019
Title Company	BNT TITLE COMPANY/CA, BNT TITLE CO/CA

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	114 STEPHANIE LN VISTA CA 920845316, VISTA, CA 92084-5316

Mortgage

Document Number	401653
Date	Sep 16, 2019
Instrument	401653

Lender

Name	CASHCALL
Type	Funding / Finance Company
Address	IRVINE, CA 92612

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 15, 2049

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 24, 2019
Property Address	114 STEPHANIE LN, VISTA, CA 92084-5316
Document Number	0000246227
Instrument Date	Jun 21, 2019
Instrument	246227
Transaction Type	Transfer
Record Updated	Jul 2, 2019
Title Company	NOT AVAILABLE

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	114 STEPHANIE LN VISTA CA 920845316, 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		$680,674 (+2%) Land $402,486 Building $278,188
2025	$8,222.00 (+7.89%) Homeowner's exemption	$667,329 (+4.04%) Land $394,595 Building $272,734
2023	$7,621.00 (+0.24%) Homeowner's exemption	$641,418 Land $379,273 Building $262,145
2022	$7,603.00

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 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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