1586 Harbor Dr, Vista, CA 92081 Property Records

San Diego County property record for 1586 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	0.203 acres (8,862 sqft)
Owner	Individual Name on Record
Last Sale	$454,000 (Aug 2015)
Tax Bill	$6,800 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`217-511-22-00`

Property Details

APN / Parcel Number

Primary APN	`217-511-22-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,386 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Conventional
Exterior Material	Stucco
Roof Material	Tile
Lot Area	8,862 sqft (0.203 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1586 HARBOR DR
City	VISTA
State	CA
Zip	92081-8780
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPI
Legal Description	LOT 22 TR 011563
Legal Subdivision	VISTA 85-5
Legal Tract	011563
Legal Block	2
Legal Lot Number	22
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, 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	Individual Name on Record
Mailing Address	1586 HARBOR DR, VISTA, CA 92081-8780
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2026	Intrafamily Transfer, Transfer · Conventional Mortgage ZB NA
Jun 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage INSPIRE HM LNS INC
Mar 26, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage SOUTH PACIFIC FINANCIAL CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 31, 2015 · Amount on Record
Deed Sale	Aug 31, 2015 · Amount on Record
Prior Sale	Dec 9, 2013 · Amount on Record
Deed Document Number	2015460473
Last Transfer Date	Mar 21, 2019
Transfer Doc	0000107607
Record Updated	Oct 29, 2026

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 13, 2026
Property Address	1586 HARBOR DR, VISTA, CA 92081-8780
Document Number	0000009712
Map Reference	MAP 11563
Instrument Date	Jan 8, 2026
Instrument	2026-0009712
Transaction Type	Transfer
Record Updated	Jan 22, 2026
Title Company	LENNAR TITLE INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1586 HARBOR DR, VISTA, CA 92081-8780

Mortgage

Document Number	0000009713
Date	Jan 13, 2026
Instrument	2026-0009713

Lender

Name	ZB NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1586 HARBOR DR, VISTA, CA 92081-8780
Document Number	0000298687
Instrument Date	Jun 5, 2020
Transaction Type	Mortgage
Record Updated	Jun 19, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1586 HARBOR DR VISTA CA 920818780, VISTA, CA 92081-8780

Mortgage

Document Number	0000298687
Date	Jun 10, 2020
Instrument	298687

Lender

Name	INSPIRE HM LNS INC
Address	NEWPORT BEACH, CA 92660

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 9, 2050

March 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 26, 2019
Property Address	1586 HARBOR DR, VISTA, CA 92081-8780
Document Number	0000107607
Map Reference	MAP 11563
Instrument Date	Mar 21, 2019
Instrument	2019-0107607
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1586 HARBOR DR, VISTA, CA 92081-8780

Mortgage

Document Number	0000107608
Date	Mar 26, 2019
Instrument	2019-0107608

Lender

Name	SOUTH PACIFIC FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

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		$548,182 (+2%) Land $313,248 Building $234,934
2025	$6,800.00 (+7.71%)	$537,434 (+4.04%) Land $307,106 Building $230,328
2023	$6,313.00 (+0.22%)	$516,567 Land $295,182 Building $221,385
2022	$6,299.00

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

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

Values are read at the parcel center point; 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 564 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 Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Cox Communications, Verizon.

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