1876 Saint Thomas Rd, Vista, CA 92081 Property Records

San Diego County property record for 1876 Saint Thomas Rd, Vista, CA 92081

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 1,254 sqft · built 1999
Lot Size	0.375 acres (16,329 sqft)
Owner	2 Individual Names on Record
Last Sale	$433,000 (Sep 2017)
Tax Bill	$6,322 (2025)
Deeds & Mortgages	Mar 2020 Mortgage Sep 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`217-591-28-03`

Property Details

APN / Parcel Number

Primary APN	`217-591-28-03`

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 1999
Effective Year Built	Effective 1999
Architectural Style	Condo/Apartment
Lot Area	16,329 sqft (0.375 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1876 SAINT THOMAS RD
City	VISTA
State	CA
Zip	92081-7034
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	SPI
Legal Description	LOT 7 US210PER DOC98-281020&UND INT IN TR 013236
Legal Subdivision	VISTA 2-026
Legal Tract	013236
Legal Block	1
Legal Lot Number	7
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1022
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	1876 SAINT THOMAS RD, VISTA, CA 92081-7034
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2020	Deed of Trust, Mortgage · FHA Mortgage AMERICAN MORTGAGE & EQUITY CONSULTANTS
Sep 16, 2019	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN MORTGAGE & EQUITY CONSULTANTS
Feb 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage EVERETT FINANCIAL INC
Feb 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage EVERETT FINANCIAL INC
Sep 29, 2017	Grant Deed, Transfer · Conventional Mortgage AMERICAN MORTGAGE & EQUITY CONSULTA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2017 · Amount on Record
Deed Sale	Sep 29, 2017 · Amount on Record
Prior Sale	Jun 15, 1999 · Amount on Record
Deed Document Number	2017449515
Prior Transfer Date	Apr 14, 2009
Prior Transfer Doc	0000209989
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1876 SAINT THOMAS RD, VISTA, CA 92081-7034
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000140440
Date	Mar 18, 2020
Instrument	2020-0140440

Lender

Name	AMERICAN MORTGAGE & EQUITY CONSULTANTS
Type	Mortgage Company
Address	MINNEAPOLIS, MN 55439

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1876 SAINT THOMAS RD, VISTA, CA 92081-7034
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000402741
Date	Sep 16, 2019
Instrument	2019-0402741

Lender

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

Agreement

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

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1876 SAINT THOMAS RD, VISTA, CA 92081-7034
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1876 SAINT THOMAS RD, VISTA, CA 92081-7034

Mortgage

Document Number	0000106090
Date	Feb 10, 2021
Instrument	2021-0106090

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company
Address	DALLAS, TX 75254

Agreement

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

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1876 SAINT THOMAS RD, VISTA, CA 92081-7034
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1876 SAINT THOMAS RD, VISTA, CA 92081-7034

Mortgage

Document Number	0000083630
Date	Feb 24, 2022
Instrument	2022-0083630

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company
Address	DALLAS, TX 75254

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Sep 29, 2017
Property Address	1876 SAINT THOMAS RD, VISTA, CA 92081-7034
Document Number	0000449515
Map Reference	MAP13236
Instrument Date	Aug 30, 2017
Instrument	2017-0449515
Transaction Type	Transfer
Record Updated	Jul 25, 2022
Title Company	FIRST AMERICAN TITLE COMPANY

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	1876 SAINT THOMAS RD, VISTA, CA 92081-7034

Mortgage

Document Number	0000449516
Date	Sep 29, 2017
Instrument	2017-0449516

Lender

Name	AMERICAN MORTGAGE & EQUITY CONSULTA
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

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		$502,524 (+2%) Land $258,877 Building $243,647
2025	$6,322.00 (+7.59%)	$492,671 (+4.04%) Land $253,801 Building $238,870
2023	$5,876.00 (+0.22%)	$473,543 Land $243,947 Building $229,596
2022	$5,863.00

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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