1634 Independence Way, Vista, CA 92084 Property Records

San Diego County property record for 1634 Independence Way, Vista, CA 92084

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,240 sqft · built 1977
Lot Size	0.62 acres (27,007 sqft)
Owner	2 Company Names on Record
Last Sale	$400,000 (Oct 2003)
Tax Bill	$6,410 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Aug 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`174-020-24-00`

Property Details

APN / Parcel Number

Primary APN	`174-020-24-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,240 sqft Living Area

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Lot Area	27,007 sqft (0.62 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1634 INDEPENDENCE WAY
City	VISTA
State	CA
Zip	92084-3618
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	E-1
Legal Description	SEC 17-11-3W NE 1/4 OF POR
Legal Range	03W
Legal Township	11
Legal Section	17
Legal Block	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1000
Census Tract	19210

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Company Names on Record
Mailing Address	1634 INDEPENDENCE WAY, VISTA, CA 92084-3618
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2022	Deed of Trust, Mortgage · Line of Credit BANNER BANK
Aug 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage NFM INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 10, 2003 · Amount on Record
Deed Sale	Oct 10, 2003 · Amount on Record
Prior Sale	Jul 2, 1993 · Amount on Record
Deed Document Number	20031252549
Prior Transfer Date	Mar 11, 1998
Prior Transfer Doc	0000210244
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1634 INDEPENDENCE WAY, VISTA, CA 92084-3618
Transaction Type	Mortgage
Record Updated	Jul 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1634 INDEPENDENCE WAY, VISTA, CA 92084-3618

Mortgage

Document Number	0000279801
Date	Jul 8, 2022
Instrument	2022-0279801

Lender

Name	BANNER BANK
Type	Bank
Address	CARLSBAD, CA 92008

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1634 INDEPENDENCE WAY, VISTA, CA 92084-3618
Transaction Type	Mortgage
Record Updated	Aug 11, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1634 INDEPENDENCE WAY, VISTA, CA 92084-3618

Mortgage

Document Number	0000549790
Date	Aug 2, 2021
Instrument	2021-0549790

Lender

Name	NFM INC
Type	Mortgage Company
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

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		$580,062 (+2%) Land $326,285 Building $253,777
2025	$6,410.00 (+8.68%) Homeowner's exemption	$568,689 (+4.04%) Land $319,888 Building $248,801
2023	$5,898.00 (+0.27%) Homeowner's exemption	$546,608 Land $307,467 Building $239,141
2022	$5,882.00

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 64% of the US · lower than 78% of California
Wildfire Likelihood	0.05% 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 252 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
San Diego Broadband Fixed Wireless	500 / 100
AT&T DSL	100 / 20

May also be available: Verizon.

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