1682 Lone Oak Rd, Vista, CA 92084 Property Records

San Diego County property record for 1682 Lone Oak Rd, Vista, CA 92084

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,757 sqft · built 1973
Lot Size	0.53 acres (23,087 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,234 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Dec 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`184-281-21-00`

Property Details

APN / Parcel Number

Primary APN	`184-281-21-00`
Alternative APN	`1842801100`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,757 sqft Living Area

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Lot Area	23,087 sqft (0.53 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	1842801100
Street Address	1682 LONE OAK RD
City	VISTA
State	CA
Zip	92084-7724
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	SEC 33-11-3W NEQ 0.53 AC M/L IN NWQ OF SWQ OF
Legal Range	03W
Legal Township	11
Legal Section	33
Legal Block	2
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2000
Census Tract	19903

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 Individual Names on Record
Mailing Address	1682 LONE OAK RD, VISTA, CA 92084-7724
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2026	Deed of Trust, Mortgage · Line of Credit FIRST TECHNOLOGY FEDERAL CREDIT UNION
Dec 21, 2023	Deed of Trust, Mortgage · Line of Credit US BANK NA
Dec 20, 2018	Deed of Trust, Mortgage · Line of Credit MUFG UNION BANK NA
Aug 29, 2019	Deed of Trust, Mortgage · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
Jun 26, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage ARK-LA-TEX FINANCE SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jun 19, 2020
Transfer Doc	0000336856
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 15, 2026
Property Address	1682 LONE OAK RD, VISTA, CA 92084-7724
Document Number	0000170998
Instrument Date	Jun 3, 2026
Instrument	2026170998
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NATIONWIDE TITLE CLEARING INC, NATIONWIDE TITLE CLEARING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property, 149
Address	1682 LONE OAK RD, VISTA, CA 92084-7724

Mortgage

Document Number	0000170998,
Date	Jun 15, 2026
Instrument	2026170998

Lender

Name	FIRST TECHNOLOGY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 25, 2056

Interest

Rate	6.37%
Max Rate	-1%

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1682 LONE OAK RD, VISTA, CA 92084-7724
Transaction Type	Mortgage
Record Updated	Jan 2, 2024
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1682 LONE OAK RD, VISTA, CA 92084-7724

Mortgage

Document Number	0000350516
Date	Dec 21, 2023
Instrument	2023-0350516

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Nov 14, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1682 LONE OAK RD, VISTA, CA 92084-7724
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000520759
Date	Dec 20, 2018
Instrument	2018-0520759

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 26, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1682 LONE OAK RD, VISTA, CA 92084-7724
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000371925
Date	Aug 29, 2019
Instrument	2019-0371925

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

June 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 26, 2020
Property Address	1682 LONE OAK RD, VISTA, CA 92084-7724
Document Number	0000336856
Instrument Date	Jun 19, 2020
Instrument	2020-0336856
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1682 LONE OAK RD, VISTA, CA 92084-7724

Mortgage

Document Number	0000336857
Date	Jun 26, 2020
Instrument	2020-0336857

Lender

Name	ARK-LA-TEX FINANCE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 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
Unified School District	Vista Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$115,359 (+2%) Land $22,586 Building $92,773
2025	$1,234.00 (+9.01%) Homeowner's exemption	$113,098 (+4.04%) Land $22,144 Building $90,954
2023	$1,132.00 (+0.44%) Homeowner's exemption	$108,708 Land $21,285 Building $87,423
2022	$1,127.00

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 · 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	6 in force
Nearby Flood Claims	1 (1993)
Most Recent Claim	Feb 1993 · Severe Winter Storm, Mud & Land Slides, & 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 45% of the US · lower than 73% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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 249 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Verizon.

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