1322 Montego Ct, Vista, CA 92081 Property Records

San Diego County property record for 1322 Montego Ct, Vista, CA 92081

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,835 sqft · built 1988
Lot Size	0.133 acres (5,795 sqft)
Owner	Company Name on Record
Last Sale	$510,000 (May 2016)
Tax Bill	$7,470 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Apr 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`183-392-26-00`

Property Details

APN / Parcel Number

Primary APN	`183-392-26-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,835 sqft Living Area

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Lot Area	5,795 sqft (0.133 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1322 MONTEGO CT
City	VISTA
State	CA
Zip	92081-5024
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPI
Legal Description	LOT 77 TR 011749
Legal Subdivision	VISTA 86-6
Legal Tract	011749
Legal Block	3
Legal Lot Number	77
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3004
Census Tract	19904

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	1322 MONTEGO CT, VISTA, CA 92081-5024
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2025	Deed of Trust, Mortgage · Line of Credit SCHOOLSFIRST FCU
Apr 23, 2020	Quit Claim Deed, Transfer FUNDLOANS CAP
Apr 23, 2020	Quit Claim Deed, Transfer PACIFIC COAST TITLE COMPANY, PACIFIC COAST TITLE CO.
Oct 28, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 31, 2016 · Amount on Record
Deed Sale	May 31, 2016 · Amount on Record
Prior Sale	Dec 23, 2009 · Amount on Record
Deed Document Number	2016266033
Prior Transfer Date	Feb 28, 1995
Prior Transfer Doc	0000188963
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1322 MONTEGO CT, VISTA, CA 92081-5024
Transaction Type	Mortgage
Record Updated	Nov 26, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1322 MONTEGO CT, VISTA, CA 92081-5024

Mortgage

Document Number	0000316225
Date	Nov 10, 2025
Instrument	2025-0316225

Lender

Name	SCHOOLSFIRST FCU
Type	Credit Union
Address	TUSTIN, CA 92780

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 23, 2020
Property Address	1322 MONTEGO CT, VISTA, CA 92081-5024
Document Number	0000206834
Instrument Date	Apr 16, 2020
Instrument	206834
Transaction Type	Transfer
Record Updated	May 5, 2020
Title Company	PACIFIC COAST TITLE COMPANY, PACIFIC COAST TITLE CO.

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1322 MONTEGO CT VISTA CA 920815024, VISTA, CA 92081-5024

Mortgage

Document Number	206835
Date	Apr 23, 2020
Instrument	206835

Lender

Name	FUNDLOANS CAP
Address	ENCINITAS, CA 92024

Agreement

Amount	Amount Recorded
Term	300 Months
Due	Apr 22, 2045

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Apr 23, 2020
Property Address	1322 MONTEGO CT, VISTA, CA 92081-5024
Document Number	0000206836
Instrument Date	Apr 6, 2020
Instrument	206836
Transaction Type	Transfer
Record Updated	May 5, 2020
Title Company	PACIFIC COAST TITLE COMPANY, PACIFIC COAST TITLE CO.

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	1322 MONTEGO CT VISTA CA 920815024, VISTA, CA 92081-5024

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 28, 2019
Property Address	1322 MONTEGO CT, VISTA, CA 92081-5024
Document Number	0000488566
Instrument Date	Jun 19, 2019
Instrument	488566
Transaction Type	Transfer
Record Updated	Nov 5, 2019
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	Living Trust
Address	1322 MONTEGO CT VISTA CA 920815024, VISTA, CA 92081-5024

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		$615,802 (+2%) Land $307,952 Building $307,850
2025	$7,470.00 (+7.84%) Homeowner's exemption	$603,728 (+4.04%) Land $301,914 Building $301,814
2023	$6,927.00 (+0.25%) Homeowner's exemption	$580,288 Land $290,192 Building $290,096
2022	$6,910.00

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	1 in force
Nearby Flood Claims	1 (1998)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 1998 · Severe Winter Storms And Flooding

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 97% of the US · lower than 97.8% of California
Wildfire Likelihood	Under 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 676 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Cox Communications, San Diego Broadband, Verizon.

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