1675 Vale Terrace Dr, Vista, CA 92084 Property Records

San Diego County property record for 1675 Vale Terrace Dr, Vista, CA 92084

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,073 sqft · built 2025
Lot Size	0.55 acres (23,958 sqft)
Owner	2 Individual Names on File
Last Sale	$775,500 (Mar 2022)
Tax Bill	$9,844 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`177-022-11-00`

Property Details

APN / Parcel Number

Primary APN	`177-022-11-00`
Alternative APN	`1770202900`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,073 sqft Living Area

Exterior

Year Built	Built 2025
Effective Year Built	Effective 2025
Lot Area	23,958 sqft (0.55 acres)

Location & Zoning

Old Parcel Number	1770202900
Street Address	1675 VALE TERRACE DR
City	VISTA
State	CA
Zip	92084-5310
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	E-1
Legal Description	SEC 20-11-3W NE 1/4 OF POR SW 1/4 OF
Legal Range	03W
Legal Township	11
Legal Section	20
Legal Subdivision	SAN BERNARDINO BASE & MERIDIAN
Legal Block	2
Legal Lot Number	4
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2002
Census Tract	19602

Owner

1675 Vale Terrace Dr is owned and occupied by two individuals who bought it in March 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	1675 VALE TERRACE DR, VISTA, CA 92084-5310
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

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
Mar 3, 2022	Grant Deed, Transfer · Conventional Mortgage MORTGAGEONE INC
Jan 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage BMO HARRIS BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 3, 2022 · Amount on File
Deed Sale	Mar 3, 2022 · Amount on File
Prior Sale	Oct 7, 2015 · Amount on File
Deed Document Number	202295278
Record Updated	Oct 29, 2026

March 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 3, 2022
Property Address	1675 VALE TERRACE DR, VISTA, CA 92084-5310
Document Number	0000095278
Instrument Date	Feb 11, 2022
Instrument	2022-0095278
Transaction Type	Transfer
Record Updated	Mar 11, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN 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	Community Property with Right of Survivorship
Address	1675 VALE TERRACE DR, VISTA, CA 92084-5310

Mortgage

Document Number	0000095279
Date	Mar 3, 2022
Instrument	2022-0095279

Lender

Name	MORTGAGEONE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

Mortgage

Document Number	0000095280
Date	Mar 3, 2022
Instrument	2022-0095280

Lender

Name	GEORGIAS OWN CU
Type	Credit Union
Address	ATLANTA, GA 30303

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Feb 28, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1675 VALE TERRACE DR, VISTA, CA 92084-5310
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1675 VALE TERRACE DR, VISTA, CA 92084-5310

Mortgage

Document Number	0000023229
Date	Jan 12, 2021
Instrument	2021-0023229

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60690

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 1675 Vale Terrace Dr was $9,844.

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		$839,007 (+4.74%) Land $684,921 Building $154,086
2025	$9,844.00	$801,000 Land $652,000 Building $149,000
2023	$8,905.00 (+63.16%)	$750,000 Land $612,000 Building $138,000
2022	$5,458.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 1675 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 1675 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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