1856 Key Largo Rd, Vista, CA 92081 Property Records

San Diego County property record for 1856 Key Largo Rd, Vista, CA 92081

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 1,515 sqft · built 1992
Lot Size	2.16 acres (94,456 sqft)
Owner	2 Individual Names on Record
Last Sale	$465,000 (Mar 2018)
Tax Bill	$6,647 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Nov 2019 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`217-591-04-02`

Property Details

APN / Parcel Number

Primary APN	`217-591-04-02`
Alternative APN	`2175903502`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,515 sqft Living Area

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Condo/Apartment
Lot Area	94,456 sqft
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	2175903502
Street Address	1856 KEY LARGO RD
City	VISTA
State	CA
Zip	92081-7004
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	SPI
Legal Description	LOT 4 US 16PER DOC91-106775&UND INT IN TR 012459
Legal Subdivision	VISTA 89-07 PH 1
Legal Tract	012459
Legal Block	1
Legal Lot Number	4
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1021
Census Tract	19810

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	1856 KEY LARGO RD, VISTA, CA 92081-7004
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage LEND PLUS
Nov 18, 2019	Quit Claim Deed, Transfer · Conventional Mortgage LEND PLUS
Mar 19, 2018	Grant Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Mar 19, 2018	Quit Claim Deed, Transfer FIDELITY NATIONAL TITLE
Aug 3, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
Jun 23, 2017	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 19, 2018 · Amount on Record
Deed Sale	Mar 19, 2018 · Amount on Record
Prior Sale	May 5, 2000 · Amount on Record
Deed Document Number	2018107053
Prior Transfer Date	Nov 24, 1997
Prior Transfer Doc	0000606558
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1856 KEY LARGO RD, VISTA, CA 92081-7004
Document Number	0000424976
Instrument Date	Jul 27, 2020
Transaction Type	Mortgage
Record Updated	Aug 12, 2020
Title Company	WESTERN RESOURCES TITLE, WESTERN RSRCS TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1856 KEY LARGO RD VISTA CA 920817004, VISTA, CA 92081-7004

Mortgage

Document Number	0000424976
Date	Aug 3, 2020
Instrument	424976

Lender

Name	LEND PLUS
Address	ALISO VIEJO, CA 92656

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 2, 2050

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 18, 2019
Property Address	1856 KEY LARGO RD, VISTA, CA 92081-7004
Document Number	0000531853
Instrument Date	Nov 14, 2019
Instrument	531853
Transaction Type	Transfer
Record Updated	Nov 25, 2019
Title Company	TICOR TITLE ORANGE COUNTY BR, TICOR TITLE ORANGE CNTY BR

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1856 KEY LARGO RD VISTA CA 920817004, VISTA, CA 92081-7004

Mortgage

Document Number	531854
Date	Nov 18, 2019
Instrument	531854

Lender

Name	LEND PLUS
Address	ALISO VIEJO, CA 92656

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 17, 2049

March 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 19, 2018
Property Address	1856 KEY LARGO RD, VISTA, CA 92081-7004
Document Number	0000107053
Map Reference	MAP 12459
Instrument Date	Feb 12, 2018
Instrument	2018-0107053
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
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	Joint Tenants
Address	1856 KEY LARGO RD, VISTA, CA 92081-7004

Mortgage

Document Number	0000107054
Date	Mar 19, 2018
Instrument	2018-0107054

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

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

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 19, 2018
Property Address	1856 KEY LARGO RD, VISTA, CA 92081-7004
Document Number	0000107052
Instrument Date	Feb 12, 2018
Instrument	107052
Transaction Type	Transfer
Record Updated	Mar 23, 2018
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	3913 E NOWATA DR PHOENIX AZ 850442603, PHOENIX, AZ 85044-2603

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 3, 2017
Property Address	1856 KEY LARGO RD, VISTA, CA 92081-7004
Document Number	0000351378
Instrument Date	Jul 20, 2017
Instrument	351378
Transaction Type	Transfer
Record Updated	Aug 14, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	3913 E NOWATA DR PHOENIX AZ 850442603, PHOENIX, AZ 85044-2603

June 2017: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 23, 2017
Property Address	1856 KEY LARGO RD, VISTA, CA 92081-7004
Document Number	0000285031
Instrument Date	Apr 24, 2017
Instrument	285031
Transaction Type	Transfer
Record Updated	Jul 3, 2017
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3913 E NOWATA DR PHOENIX AZ 850442603, PHOENIX, AZ 85044-2603

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		$539,667 (+2%) Land $348,173 Building $191,494
2025	$6,647.00 (+7.7%) Homeowner's exemption	$529,087 (+4.04%) Land $341,347 Building $187,740
2023	$6,172.00 (+0.24%) Homeowner's exemption	$508,543 Land $328,093 Building $180,450
2022	$6,157.00

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 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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