1246 Independence Way, Vista, CA 92084 Property Records

San Diego County property record for 1246 Independence Way, Vista, CA 92084

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,100 sqft · built 2019
Lot Size	0.53 acres (23,087 sqft)
Owner	2 Trust Names on File
Last Sale	$685,000 (Sep 2019)
Tax Bill	$9,243 (2025)
Deeds & Mortgages	Mar 2024 Line of Credit Oct 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`174-100-47-00`

Property Details

APN / Parcel Number

Primary APN	`174-100-47-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,100 sqft Living Area

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Lot Area	23,087 sqft (0.53 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1246 INDEPENDENCE WAY
City	VISTA
State	CA
Zip	92084-4160
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	E-1
Legal Description	PAR B TR PM19729
Legal Subdivision	CITY OF VISTA
Legal Tract	1019729
Legal Block	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1007
Census Tract	19210

Owner

1246 Independence Way is owner-occupied and held in a trust since June 2024.

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

Owner of Record	2 Trust Names on File
Mailing Address	1246 INDEPENDENCE WAY, VISTA, CA 92084-4160
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

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
Mar 14, 2024	Deed of Trust, Mortgage · Line of Credit MISSION FCU
Oct 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage OWNING CORPORATION
Sep 4, 2019	Grant Deed, Transfer · Conventional with PMI BANK OF AMERICA
May 24, 2018	Quit Claim Deed, Transfer CHICAGO TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 4, 2019 · Amount on File
Deed Sale	Sep 4, 2019 · Amount on File
Prior Sale	Aug 29, 2016 · Amount on File
Deed Document Number	2019381356
Last Transfer Date	Jun 28, 2024
Transfer Doc	0000176556
Record Updated	Sep 20, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1246 INDEPENDENCE WAY, VISTA, CA 92084-4160
Transaction Type	Mortgage
Record Updated	Mar 25, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1246 INDEPENDENCE WAY, VISTA, CA 92084-4160

Mortgage

Document Number	0000063494
Date	Mar 14, 2024
Instrument	2024-0063494

Lender

Name	MISSION FCU
Type	Credit Union
Address	BONITA, CA 91902

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Mar 31, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1246 INDEPENDENCE WAY, VISTA, CA 92084-4160
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	ORANGE COAST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1246 INDEPENDENCE WAY, VISTA, CA 92084-4160

Mortgage

Document Number	0000623310
Date	Oct 14, 2020
Instrument	2020-0623310

Lender

Name	OWNING CORPORATION
Type	Non-Lending Institution
Address	ORANGE, CA 92868

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 4, 2019
Property Address	1246 INDEPENDENCE WAY, VISTA, CA 92084-4160
Document Number	0000381356
Instrument Date	Aug 29, 2019
Instrument	381356
Transaction Type	Transfer
Record Updated	Sep 11, 2019
Title Company	STEWART TITLE, STEWART TITLE/CA

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$753.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1246 INDEPENDENCE WAY VISTA CA 92084, VISTA, CA 92084

Mortgage

Document Number	381357
Date	Sep 4, 2019
Instrument	381357

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Sep 3, 2049

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 24, 2018
Property Address	1246 INDEPENDENCE WAY, VISTA, CA 92084-4160
Document Number	0000209764
Instrument Date	May 17, 2018
Instrument	209764
Transaction Type	Transfer
Record Updated	May 31, 2018
Title Company	CHICAGO TITLE COMPANY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	555 12TH ST #1250 OAKLAND CA 946074095, 1250, OAKLAND, CA 94607-4095

Tax Assessment & Valuation

The 2025 property tax bill for 1246 Independence Way was $9,243.

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		$764,126 (+2%) Land $334,654 Building $429,472
2025	$9,243.00	$749,144 Land $328,093 Building $421,051
2023	$8,566.00 (+0.23%)	$720,055 Land $315,353 Building $404,702
2022	$8,546.00

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

Flood

FEMA maps place 1246 Independence Way in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 3, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 1246 Independence Way is low, with a 0.03% annual chance of 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	0.03% 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 270 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
Starlink Satellite	280 / 30
AT&T DSL	100 / 20

May also be available: GeoLinks, T-Mobile, Verizon.

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