1520 Ridge Rd, Vista, CA 92081 Property Records

San Diego County property record for 1520 Ridge Rd, Vista, CA 92081

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,145 sqft · built 1945
Lot Size	0.88 acres (38,333 sqft)
Owner	Company Name on File
Last Sale	$110,000 (Aug 1998)
Tax Bill	$1,983 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Sep 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`169-170-06-00`

Property Details

APN / Parcel Number

Primary APN	`169-170-06-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	1,145 sqft Living Area

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Lot Area	38,333 sqft (0.88 acres)

Location & Zoning

Street Address	1520 RIDGE RD
City	VISTA
State	CA
Zip	92081-6520
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	LOT 79 POR TR 002069
Legal Subdivision	RANCHO MAR VISTA
Legal Tract	002069
Legal Block	1
Legal Lot Number	79
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1023
Census Tract	19701

Owner

1520 Ridge Rd is owned by a company that acquired it in July 2006.

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

Owner of Record	Company Name on File
Mailing Address	PO BOX 3372, VISTA, CA 92085-3372
Owner Type	Company
Vesting	Borrower in Default

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
Jun 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 26, 2018	Deed of Trust, Mortgage · Conventional Mortgage MICHIGAN MUTUAL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 4, 1998 · Amount on File
Deed Sale	Aug 4, 1998 · Amount on File
Deed Document Number	1998488735
Last Transfer Date	Jul 12, 2006
Transfer Doc	0000515609
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1520 RIDGE RD, VISTA, CA 92081-6520
Transaction Type	Mortgage
Record Updated	Aug 24, 2021
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2808 E VISTA WAY, VISTA, CA 92084-1918

Mortgage

Document Number	0000406579
Date	Jun 1, 2021
Instrument	2021-0406579

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1520 RIDGE RD, VISTA, CA 92081-6520
Document Number	0000404304
Instrument Date	Sep 26, 2018
Transaction Type	Mortgage
Record Updated	Oct 10, 2018
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2808 E VISTA WAY VISTA CA 920841918, VISTA, CA 92084-1918

Mortgage

Document Number	0000404304
Date	Sep 27, 2018
Instrument	404304

Lender

Name	MICHIGAN MUTUAL
Type	Funding / Finance Company
Address	PORT HURON, MI 48060

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 26, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 1520 Ridge Rd was $1,983.

Source: San Diego County assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Unified School District	Vista Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$175,870 (+2%) Land $135,907 Building $39,963
2025	$1,983.00	$172,423 Land $133,243 Building $39,180
2023	$1,825.00 (+0.27%)	$165,729 Land $128,070 Building $37,659
2022	$1,820.00

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

Flood

FEMA maps place 1520 Ridge Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2020)
Claims Outside the SFHA	1 of 1
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

Wildfire risk around 1520 Ridge Rd is low, with a 0.02% annual chance of 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	0.02% 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 198 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks.

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