1639 Vale Terrace Dr, Vista, CA 92084 Property Records

San Diego County property record for 1639 Vale Terrace Dr, Vista, CA 92084

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,713 sqft · built 1961
Lot Size	0.64 acres (27,878 sqft)
Owner	2 Individual Names on File
Last Sale	$800,000 (Jun 2023)
Tax Bill	$10,190 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Oct 2018 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`177-022-01-00`

Property Details

APN / Parcel Number

Primary APN	`177-022-01-00`
Alternative APN	`1770203800`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,713 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Ranch
Exterior Material	Stucco
Roof Material	Built-Up Asphalt
Lot Area	27,878 sqft (0.64 acres)
View / Lot	Good
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Old Parcel Number	1770203800
Street Address	1639 VALE TERRACE DR
City	VISTA
State	CA
Zip	92084-5309
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	E-1
Legal Description	SEC 20-11-3W POR
Legal Range	03W
Legal Township	11
Legal Section	20
Legal Subdivision	VISTA
Legal Block	2
Legal Lot Number	4
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2003
Census Tract	19602

Owner

1639 Vale Terrace Dr is owned and occupied by two individuals who bought it in June 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	1639 VALE TERRACE DR, VISTA, CA 92084-5309
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
Jun 5, 2023	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 10, 2018	Deed of Trust, Mortgage · Line of Credit SAN DIEGO COUNTY CU
Sep 4, 2018	Quit Claim Deed, Transfer Quitclaim
Sep 4, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 5, 2023 · Amount on File
Deed Sale	Jun 5, 2023 · Amount on File
Prior Sale	Apr 21, 2000 · Amount on File
Deed Document Number	2023146284
Prior Transfer Date	Nov 16, 1995
Prior Transfer Doc	0000568721
Record Updated	Oct 29, 2026

June 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 5, 2023
Property Address	1639 VALE TERRACE DR, VISTA, CA 92084-5309
Document Number	0000146284
Instrument Date	May 8, 2023
Instrument	2023-0146284
Transaction Type	Transfer
Record Updated	Jun 14, 2023
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1639 VALE TERRACE DR, VISTA, CA 92084-5309

Mortgage

Document Number	0000146285
Date	Jun 5, 2023
Instrument	2023-0146285

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1639 VALE TERRACE DR, VISTA, CA 92084-5309
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000419645
Date	Oct 10, 2018
Instrument	2018-0419645

Lender

Name	SAN DIEGO COUNTY CU
Type	Credit Union
Address	SAN DIEGO, CA 92196

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Nov 3, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 4, 2018
Property Address	1639 VALE TERRACE DR, VISTA, CA 92084-5309
Document Number	0000363200
Instrument Date	Aug 31, 2018
Instrument	363200
Transaction Type	Transfer
Record Updated	Sep 11, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1639 VALE TERRACE DR VISTA CA 920845309, VISTA, CA 92084-5309

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 4, 2018
Property Address	1639 VALE TERRACE DR, VISTA, CA 92084-5309
Document Number	0000363199
Instrument Date	Aug 31, 2018
Instrument	363199
Transaction Type	Transfer
Record Updated	Sep 11, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1639 VALE TERRACE DR VISTA CA 920845309, VISTA, CA 92084-5309

Tax Assessment & Valuation

The 2025 property tax bill for 1639 Vale Terrace Dr was $10,190.

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		$848,964 (+2%) Land $490,020 Building $358,944
2025	$10,190.00	$832,318 Land $480,412 Building $351,906
2023	$4,532.00 (+0.27%) Homeowner's exemption	$353,420 Land $203,993 Building $149,427
2022	$4,520.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 1639 Vale Terrace Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 1639 Vale Terrace Dr 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 67% of the US · lower than 81% 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 326 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Starlink Satellite	280 / 30

May also be available: AT&T, San Diego Broadband, T-Mobile, Verizon.

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