1646 Harbor Dr, Vista, CA 92081 Property Records

San Diego County property record for 1646 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	0.324 acres (14,130 sqft)
Owner	2 Individual Names on Record
Last Sale	$411,000 (Jul 2014)
Tax Bill	$6,317 (2025)
Deeds & Mortgages	Mar 2019 Line of Credit Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`217-511-37-00`

Property Details

APN / Parcel Number

Primary APN	`217-511-37-00`

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	Ranch
Exterior Material	Stucco
Roof Material	Tile
Lot Area	14,130 sqft (0.324 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1646 HARBOR DR
City	VISTA
State	CA
Zip	92081-8705
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPI
Legal Description	LOT 37 TR 011563
Legal Subdivision	VISTA 85-5
Legal Tract	011563
Legal Block	2
Legal Lot Number	37
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	2 Individual Names on Record
Mailing Address	1646 HARBOR DR, VISTA, CA 92081-8705
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2019	Deed of Trust, Mortgage · Line of Credit MISSION FCU
Dec 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage MCJAB INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 18, 2014 · Amount on Record
Deed Sale	Jul 18, 2014 · Amount on Record
Prior Sale	Feb 15, 2012 · Amount on Record
Deed Document Number	2014301536
Transfer Doc	0000593464
Record Updated	Oct 29, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1646 HARBOR DR, VISTA, CA 92081-8705
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000092557
Date	Mar 15, 2019
Instrument	2019-0092557

Lender

Name	MISSION FCU
Type	Credit Union
Address	SAN DIEGO, CA 92191

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Mar 31, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1646 HARBOR DR, VISTA, CA 92081-8705
Document Number	0000810301
Instrument Date	Dec 5, 2020
Transaction Type	Mortgage
Record Updated	Dec 29, 2020
Title Company	CORINTHIAN TITLE COMPANY, CORINTHIAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1646 HARBOR DR VISTA CA 920818705, VISTA, CA 92081-8705

Mortgage

Document Number	0000810301
Date	Dec 17, 2020
Instrument	810301

Lender

Name	MCJAB INC
Address	SAN DIEGO, CA 92123

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 16, 2050

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		$503,826 (+2%) Land $289,360 Building $214,466
2025	$6,317.00 (+7.63%)	$493,948 (+4.04%) Land $283,687 Building $210,261
2023	$5,869.00 (+0.22%)	$474,770 Land $272,672 Building $202,098
2022	$5,856.00

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 96% of the US · lower than 97.4% of California
Wildfire Likelihood	Under 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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