1251 Oak Dr, Vista, CA 92084 Property Records

San Diego County property record for 1251 Oak Dr, Vista, CA 92084

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,639 sqft · built 1956
Lot Size	0.484 acres (21,100 sqft)
Owner	2 Individual Names on Record
Last Sale	$475,000 (Aug 2013)
Tax Bill	$7,350 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Aug 2021 Second Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`173-190-11-00`

Property Details

APN / Parcel Number

Primary APN	`173-190-11-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,639 sqft Living Area

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Lot Area	21,100 sqft (0.484 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1251 OAK DR
City	VISTA
State	CA
Zip	92084-4662
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	SEC 17-11-3W SWQ DOC68-104086 IN ROS 2704 IN SEQ OF
Legal Range	03W
Legal Township	11
Legal Section	17
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	1251 OAK DR, VISTA, CA 92084-4662
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2026	Deed of Trust, Mortgage · Line of Credit ZIONS BANCORPORATION NA
Aug 31, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MISSION FCU
Mar 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage ONE AMERICAN BANK
Mar 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNION HOME MORTGAGE CORP
Feb 23, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 2, 2013 · Amount on Record
Deed Sale	Aug 2, 2013 · Amount on Record
Prior Sale	May 23, 2013 · Amount on Record
Deed Document Number	2013487792
Prior Transfer Date	Nov 6, 1995
Prior Transfer Doc	0000536430
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 8, 2026
Property Address	1251 OAK DR, VISTA, CA 92084-4662
Document Number	0000195140
Instrument Date	Jun 15, 2026
Instrument	2026195140
Transaction Type	Mortgage
Record Updated	Jul 16, 2026
Title Company	CHICAGO TITLE W, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property, 149
Address	1251 OAK DR, VISTA, CA 92084-4662
Investor	Possibly a Property Investor

Mortgage

Document Number	0000195140,
Date	Jul 8, 2026
Instrument	2026195140

Lender

Name	ZIONS BANCORPORATION NA

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.36%
Max Rate	-1%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1251 OAK DR, VISTA, CA 92084-4662
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1251 OAK DR, VISTA, CA 92084-4662

Mortgage

Document Number	0000617264
Date	Aug 31, 2021
Instrument	2021-0617264

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2036

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1251 OAK DR, VISTA, CA 92084-4662
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1251 OAK DR, VISTA, CA 92084-4662

Mortgage

Document Number	0000194794
Date	Mar 12, 2021
Instrument	2021-0194794

Lender

Name	ONE AMERICAN BANK
Type	Bank
Address	SAN FRANCISCO, CA 94108

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1251 OAK DR, VISTA, CA 92084-4662
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	ATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1251 OAK DR, VISTA, CA 92084-4662

Mortgage

Document Number	0000101111
Date	Mar 7, 2022
Instrument	2022-0101111

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	STRONGSVILLE, OH 44136

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1251 OAK DR, VISTA, CA 92084-4662
Document Number	0000077509
Instrument Date	Feb 23, 2019
Transaction Type	Mortgage
Record Updated	Mar 12, 2019
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1251 OAK DR VISTA CA 920844662, VISTA, CA 92084-4662

Mortgage

Document Number	0000077509
Date	Mar 4, 2019
Instrument	77509

Lender

Name	BANK OF AMERICA
Type	Bank
Address	TAMPA, FL 33634

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$593,918 (+2%) Land $275,077 Building $318,841
2025	$7,350.00 (+7.72%)	$582,274 (+4.04%) Land $269,684 Building $312,590
2023	$6,823.00 (+0.22%)	$559,665 Land $259,213 Building $300,452
2022	$6,808.00

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 80% of the US · lower than 88% of California
Wildfire Likelihood	0.01% 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 410 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
Starlink Satellite	280 / 30

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

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