San Diego County property record for 1639 Vista del Lago, Fallbrook, CA 92028
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,137 sqft · built 1994 |
| Lot Size | 15.8 acres (689,990 sqft) |
| Owner | Trust Name on File |
| Tax Bill | $5,716 (2025) |
| Deeds & Mortgages | Jul 2018 Mortgage Sep 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 105-020-23-00 |
| Primary APN | 105-020-23-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 3,137 sqft Living Area |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Lot Area | 689,990 sqft |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Old Parcel Number | 1022802600 |
|---|---|
| Street Address | 1639 VISTA DEL LAGO |
| City | FALLBROOK |
| State | CA |
| Zip | 92028 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A70 |
| Legal Description | PAR 1 TR PM03401 |
| Legal Subdivision | PARCEL MAP NO 3401 |
| Legal Tract | 3401 |
| Legal Block | 1 |
| Jurisdiction | SAN DIEGO CA |
| Township / Civil Division | FALLBROOK |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 18903 |
1639 Vista del Lago is owner-occupied and held in a trust since October 2014.
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 | Trust Name on File |
|---|---|
| Mailing Address | PO BOX 526, FALLBROOK, CA 92088-0526 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Jul 11, 2018 | Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT SAVINGS BANK FSB |
| Sep 22, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Oct 15, 2014 |
| Transfer Doc | 0000461979 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 1639 VISTA DEL LAGO, FALLBROOK, CA 92028 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | LAWYERS TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000282534 |
|---|---|
| Date | Jul 11, 2018 |
| Instrument | 2018-0282534 |
| Name | PROVIDENT SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Address | RIVERSIDE, CA 92506 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SAN DIEGO CA |
| Property Address | 1639 VISTA DEL LAGO, FALLBROOK, CA 92028 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | LAWYERS TITLE |
| Name | Verified Name |
|---|---|
| Address | PO BOX 526, FALLBROOK, CA 92088-0526 |
| Document Number | 0000560762 |
|---|---|
| Date | Sep 22, 2020 |
| Instrument | 2020-0560762 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
The 2025 property tax bill for 1639 Vista del Lago was $5,716 with a homeowner's exemption.
Source: San Diego County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | California |
| County | San Diego County |
| Elementary School District | Fallbrook Union Elementary School District (KG - 08) |
| Secondary School District | Fallbrook Union High School District (09 - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $521,760 (+2%) Land $162,564 Building $359,196 | |
| 2025 | $5,716.00 Homeowner's exemption | $511,530 Land $159,377 Building $352,153 |
| 2023 | $5,621.00 (-0.02%) Homeowner's exemption | $491,669 Land $153,189 Building $338,480 |
| 2022 | $5,622.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 1639 Vista del Lago in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1998.
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 |
| Nearby Flood Claims | 1 (1998) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Feb 1998 · Severe Winter Storms And Flooding |
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 risk around 1639 Vista del Lago is high, ranking above 87% of the US, with a 0.8% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 87% of the US · above 68% of California |
|---|---|
| Wildfire Likelihood | 0.8% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | FALLBROOK PUD serves 35,237 people · EPA ID CA3710008 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Lead | 1 ppb (2024) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 58 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| San Diego Broadband Fixed Wireless | 500 / 100 |
| T-Mobile Fixed Wireless | 100 / 20 |
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