1540 Harbor Dr, Vista, CA 92081 Property Records

San Diego County property record for 1540 Harbor Dr, Vista, CA 92081

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,386 sqft · built 1988
Lot Size	0.9 acres (3,912 sqft)
Owner	2 Individual Names on File
Last Sale	$465,000 (Dec 2016)
Tax Bill	$6,746 (2025)
Deeds & Mortgages	Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`217-511-11-00`

Property Details

APN / Parcel Number

Primary APN	`217-511-11-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,386 sqft Living Area

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Lot Area	3,912 sqft (0.9 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1540 HARBOR DR
City	VISTA
State	CA
Zip	92081-8703
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPI
Legal Description	LOT 11 TR 011563
Legal Subdivision	VISTA 85-5
Legal Tract	011563
Legal Block	2
Legal Lot Number	11
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2000
Census Tract	19905

Owner

Source: San Diego County records · APN 217-511-11-00

Assessment roll updated July 21, 2026 · Last verified July 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 File
Mailing Address	1540 HARBOR DR, VISTA, CA 92081-8703
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 21, 2016 · Amount on Record
Deed Sale	Dec 21, 2016 · Amount on Record
Prior Sale	Sep 30, 1987 · Amount on Record
Deed Document Number	2016701269
Prior Transfer Date	Dec 09, 2016
Prior Transfer Doc	0000701270
Record Updated	Sep 20, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1540 HARBOR DR, VISTA, CA 92081-8703
Document Number	0000473403
Instrument Date	Jul 13, 2020
Transaction Type	Mortgage
Record Updated	Sep 02, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1540 HARBOR DR VISTA CA 920818703, VISTA, CA 92081-8703

Mortgage

Document Number	0000473403
Date	Aug 21, 2020
Instrument	473403

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 20, 2050

Tax Assessment & Valuation

Source: San Diego County records · Assessment roll updated July 21, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value
2026		$550,458 (+2%) Land $195,796 Building $354,662
2025	$6,746.00 (+7.75%) Homeowner's exemption	$539,665 (+4.04%) Land $191,957 Building $347,708
2023	$6,261.00 (+0.26%) Homeowner's exemption	$518,711 Land $184,504 Building $334,207
2022	$6,245.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 3, 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: San Diego Broadband, T-Mobile USA.

Based on FCC filings for 489 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	VISTA IRRIGATION DISTRICT serves 134,501 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.