1804 Key Largo Rd, Vista, CA 92081 Property Records

San Diego County property record for 1804 Key Largo Rd, Vista, CA 92081

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 1,445 sqft · built 1996
Lot Size	1.18 acres (51,608 sqft)
Owner	Individual Name on File
Last Sale	$835,000 (Jun 2026)
Tax Bill	$9,718 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Dec 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`217-591-20-06`

Property Details

APN / Parcel Number

Primary APN	`217-591-20-06`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,445 sqft Living Area

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Condo/Apartment
Lot Area	51,608 sqft
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1804 KEY LARGO RD
City	VISTA
State	CA
Zip	92081-7002
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	SPI
Legal Description	LOT 5 US271PER DOC95-406175&UND INT IN COMMON AREA TR 013160
Legal Subdivision	VISTA/89-7 PH I
Legal Tract	013160
Legal Block	1
Legal Lot Number	5
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1021
Census Tract	19810

Owner

1804 Key Largo Rd, a condominium, is owned and occupied by an individual who bought it in June 2026.

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

Owner of Record	Individual Name on File
Mailing Address	1804 KEY LARGO RD, VISTA, CA 92081-7002
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

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 26, 2026	Grant Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 20, 2022	Intrafamily Transfer, Transfer
Jun 11, 2021	Intrafamily Transfer, Transfer FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO
Jun 11, 2021	Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 26, 2026 · Amount on File
Deed Sale	Jun 26, 2026 · Amount on File
Prior Sale	Jun 11, 2021 · Amount on File
Deed Document Number	2026184583
Prior Transfer Date	Jun 4, 2021
Prior Transfer Doc	0000432984
Record Updated	Oct 29, 2026

June 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 26, 2026
Property Address	1804 KEY LARGO RD, VISTA, CA 92081-7002
Document Number	0000184583
Instrument Date	Jun 10, 2026
Instrument	2026184583
Transaction Type	Transfer
Record Updated	Jul 7, 2026
Title Company	LAWYERS LAND TITLE COMPANY, LAWYERS TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$92,768.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1804 KEY LARGO RD, VISTA, CA 92081-7002

Mortgage

Document Number	0000184584,
Date	Jun 26, 2026
Instrument	2026184584

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.36%
Initial Type	Fixed Rate
Max Rate	-1%

December 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 20, 2022
Property Address	1804 KEY LARGO RD, VISTA, CA 92081-7002
Document Number	0000473398
Map Reference	MAP 13160
Instrument Date	Dec 19, 2022
Instrument	2022-0473398
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	Living Trust
Address	1804 KEY LARGO RD, VISTA, CA 92081-7002

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 11, 2021
Property Address	1804 KEY LARGO RD, VISTA, CA 92081-7002
Document Number	0000432984
Map Reference	MAP 13160
Instrument Date	Jun 4, 2021
Instrument	2021-0432984
Transaction Type	Transfer
Record Updated	Jun 21, 2021
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NATL TTL SAN DIEGO

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
Address	13311 ARROYA VISTA RD, POWAY, CA 92064-2146

June 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 11, 2021
Property Address	1804 KEY LARGO RD, VISTA, CA 92081-7002
Document Number	0000432985
Map Reference	MAP 13160
Instrument Date	Jun 1, 2021
Instrument	2021-0432985
Transaction Type	Transfer
Record Updated	Jun 21, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL ORANGE CNT

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	1804 KEY LARGO RD, VISTA, CA 92081-7002

Mortgage

Document Number	0000432986
Date	Jun 11, 2021
Instrument	2021-0432986

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 1804 Key Largo Rd was $9,718, up 5.6% from the year before.

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		$817,015 (+2%) Land $420,643 Building $396,372
2025	$9,718.00 (+5.6%) Homeowner's exemption	$800,996 Land $412,396 Building $388,600
2024	$9,203.00 (+2.28%)
2023	$8,998.00 (+0.23%) Homeowner's exemption	$769,894 Land $396,383 Building $373,511
2022	$8,977.00

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

Flood

FEMA maps place 1804 Key Largo Rd in Zone X, an area of minimal flood risk.

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
Nearby Flood Policies	7 in force

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

Wildfire risk around 1804 Key Largo Rd is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 79% of California
Wildfire Likelihood	0.03% 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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