1855 Saint Thomas Rd, Vista, CA 92081 Property Records

San Diego County property record for 1855 Saint Thomas Rd, Vista, CA 92081

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 1,254 sqft · built 1998
Lot Size	1.08 acres (47,293 sqft)
Owner	2 Company Names on Record
Last Sale	$524,000 (Sep 2019)
Tax Bill	$7,151 (2025)
Deeds & Mortgages	Jul 2026 Sale Aug 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`217-591-25-01`

Property Details

APN / Parcel Number

Primary APN	`217-591-25-01`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,254 sqft Living Area

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Condo/Apartment
Lot Area	47,293 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1855 SAINT THOMAS RD
City	VISTA
State	CA
Zip	92081-7018
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	SPI
Legal Description	LOT 4 US229PER DOC97-195584&UND INT IN TR 013236
Legal Subdivision	VISTA 02-026
Legal Tract	013236
Legal Block	1
Legal Lot Number	4
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1039
Census Tract	19810

Owner

Source: San Diego County records, as of August 4, 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 Company Names on Record
Mailing Address	1855 SAINT THOMAS RD, VISTA, CA 92081-7018
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Jul 24, 2026	Grant Deed, Transfer NONE LISTED ON DOCUMENT
Aug 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage WATERMARK CAPITAL INC
Jun 25, 2018	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN MORTGAGE & EQUITY CONSULTANTS
Sep 9, 2019	Grant Deed, Transfer · Conventional with PMI WATERMARK CAP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 9, 2019 · Amount on Record
Deed Sale	Sep 9, 2019 · Amount on Record
Prior Sale	Dec 16, 2004 · Amount on Record
Deed Document Number	2019389718
Prior Transfer Date	Sep 6, 2014
Prior Transfer Doc	0000393600
Record Updated	Oct 29, 2026

July 2026: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 24, 2026
Property Address	1855 SAINT THOMAS RD, VISTA, CA 92081-7018
Document Number	0000213274
Instrument Date	Jul 17, 2026
Instrument	2026213274
Transaction Type	Transfer
Record Updated	Aug 4, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant
Address	1855 SAINT THOMAS RD, VISTA, CA 92081-7018

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1855 SAINT THOMAS RD, VISTA, CA 92081-7018
Transaction Type	Mortgage
Record Updated	Sep 7, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL ORANGE CNT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1855 SAINT THOMAS RD, VISTA, CA 92081-7018

Mortgage

Document Number	0000609142
Date	Aug 27, 2021
Instrument	2021-0609142

Lender

Name	WATERMARK CAPITAL INC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1855 SAINT THOMAS RD, VISTA, CA 92081-7018
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PREMIUM TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000256372
Date	Jun 25, 2018
Instrument	2018-0256372

Lender

Name	AMERICAN MORTGAGE & EQUITY CONSULTANTS
Type	Mortgage Company
Address	MINNEAPOLIS, MN 55435

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 9, 2019
Property Address	1855 SAINT THOMAS RD, VISTA, CA 92081-7018
Document Number	0000389718
Instrument Date	Aug 15, 2019
Instrument	389718
Transaction Type	Transfer
Record Updated	Sep 17, 2019
Title Company	LAWYERS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$576.40
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	1855 SAINT THOMAS RD VISTA CA 920817018, VISTA, CA 92081-7018

Mortgage

Document Number	389719
Date	Sep 9, 2019
Instrument	389719

Lender

Name	WATERMARK CAP
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 8, 2049

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		$584,527 (+2%) Land $336,428 Building $248,099
2025	$7,151.00 (+7.76%) Homeowner's exemption	$573,067 (+4.04%) Land $329,832 Building $243,235
2023	$6,636.00 (+0.24%) Homeowner's exemption	$550,816 Land $317,025 Building $233,791
2022	$6,620.00

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
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

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

Wildfire Risk	Low lower than 66% of the US · lower than 80% 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 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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