1556 Cerro de Oro, Vista, CA 92084 Property Records

San Diego County property record for 1556 Cerro de Oro, Vista, CA 92084

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,314 sqft · built 1999
Lot Size	1.33 acres (58,370 sqft)
Owner	2 Individual Names on File
Last Sale	$665,000 (Sep 2012)
Tax Bill	$9,214 (2025)
Deeds & Mortgages	Aug 2020 Mortgage May 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`174-090-66-00`

Property Details

APN / Parcel Number

Primary APN	`174-090-66-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	3,314 sqft Living Area

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Lot Area	58,370 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	1556 CERRO DE ORO
City	VISTA
State	CA
Zip	92084-3600
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	PAR 4 TR PM16942
Legal Tract	1016942
Legal Block	2
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2012
Census Tract	19209

Owner

1556 Cerro de Oro is owned and occupied by two individuals who bought it in September 2012.

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

Owner of Record	2 Individual Names on File
Mailing Address	1556 CERRO DE ORO, VISTA, CA 92084-3600
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Aug 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
May 11, 2018	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 27, 2012 · Amount on File
Deed Sale	Sep 27, 2012 · Amount on File
Prior Sale	Nov 14, 1996 · Amount on File
Deed Document Number	2012589731
Prior Transfer Date	Dec 17, 1997
Prior Transfer Doc	0000646474
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1556 CERRO DE ORO, VISTA, CA 92084-3600
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000468054
Date	Aug 19, 2020
Instrument	2020-0468054

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Non-Lending Institution
Address	BRECKSVILLE, OH 44141

Agreement

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

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1556 CERRO DE ORO, VISTA, CA 92084-3600
Document Number	0000238479
Instrument Date	May 11, 2018
Transaction Type	Mortgage
Record Updated	Jun 19, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1556 CERRO DE ORO VISTA CA 920843600, VISTA, CA 92084-3600

Mortgage

Document Number	0000238479
Date	Jun 13, 2018
Instrument	238479

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VT 22180

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jun 12, 2028

Tax Assessment & Valuation

The 2025 property tax bill for 1556 Cerro de Oro was $9,214 with a homeowner's exemption.

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		$835,140 (+2%) Land $224,943 Building $610,197
2025	$9,214.00 Homeowner's exemption	$818,766 Land $220,533 Building $598,233
2023	$8,477.00 (+0.26%) Homeowner's exemption	$786,973 Land $211,970 Building $575,003
2022	$8,455.00

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

Flood

FEMA maps place 1556 Cerro de Oro in Zone X, an area of minimal flood risk.

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	3 in force

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 1556 Cerro de Oro is high, ranking above 73% of the US, with a 0.3% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 73% of the US · above 49% of California
Wildfire Likelihood	0.3% 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 33 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
San Diego Broadband Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
AT&T DSL	50 / 10

May also be available: Cox Communications, T-Mobile.

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