1946 Courage St, Vista, CA 92081 Property Records

San Diego County property record for 1946 Courage St, Vista, CA 92081

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 1,445 sqft · built 1998
Lot Size	1.11 acres (48,570 sqft)
Owner	2 Individual Names on Record
Last Sale	$325,000 (Mar 2010)
Tax Bill	$5,409 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Oct 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`217-592-21-03`

Property Details

APN / Parcel Number

Primary APN	`217-592-21-03`

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 1998
Effective Year Built	Effective 1998
Architectural Style	Condo/Apartment
Lot Area	48,570 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	1946 COURAGE ST
City	VISTA
State	CA
Zip	92081-7021
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	SPI
Legal Description	LOT 15 US 15PER DOC98-015882&UND INT IN TR 013135
Legal Subdivision	VISTA 89-07 PH II
Legal Tract	013135
Legal Block	1
Legal Lot Number	15
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1013
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	1946 COURAGE ST, VISTA, CA 92081-7021
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 10, 2024	Deed of Trust, Mortgage · Conventional Mortgage DOLAN GADDI LENDING INC
Oct 15, 2025	Deed of Trust, Mortgage · VA Mortgage DOLAN GADDI LENDING INC
Mar 17, 2023	Intrafamily Transfer, Transfer · Conventional Mortgage DOLAN GADDI LENDING INC
Aug 22, 2019	Loan Modification, Mortgage · Conventional Mortgage PHH MTG SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 16, 2010 · Amount on Record
Deed Sale	Mar 16, 2010 · Amount on Record
Prior Sale	Jun 25, 2009 · Amount on Record
Deed Document Number	2010128819
Last Transfer Date	Feb 28, 2023
Transfer Doc	0000069036
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1946 COURAGE ST, VISTA, CA 92081-7021
Transaction Type	Mortgage
Record Updated	Jun 9, 2026
Title Company	IN TITLE, FIN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1946 COURAGE ST, VISTA, CA 92081-7021

Mortgage

Document Number	0000089085
Date	Apr 10, 2024
Instrument	2024-0089085

Lender

Name	DOLAN GADDI LENDING INC
Type	Mortgage Company
Address	CARLSBAD, CA 92008

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	1946 COURAGE ST, VISTA, CA 92081-7021
Transaction Type	Mortgage
Record Updated	Jun 9, 2026
Title Company	FIRST PRIORITY TITLE COMPANY, FIRST INTEGRITY TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1946 COURAGE ST, VISTA, CA 92081-7021

Mortgage

Document Number	0000287700
Date	Oct 15, 2025
Instrument	2025-0287700

Lender

Name	DOLAN GADDI LENDING INC
Type	Mortgage Company
Address	CARLSBAD, CA 92009

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 17, 2023
Property Address	1946 COURAGE ST, VISTA, CA 92081-7021
Document Number	0000069036
Map Reference	MAP 1315
Instrument Date	Feb 28, 2023
Instrument	2023-0069036
Transaction Type	Transfer
Record Updated	Mar 27, 2023
Title Company	BNT TITLE COMPANY/CA, BNT TITLE COMPANY OF CA

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	Joint Tenants
Address	1946 COURAGE ST, VISTA, CA 92081-7021

Mortgage

Document Number	0000069037
Date	Mar 17, 2023
Instrument	2023-0069037

Lender

Name	DOLAN GADDI LENDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

August 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SAN DIEGO CA
Property Address	1946 COURAGE ST, VISTA, CA 92081-7021
Document Number	0000515057
Instrument Date	Aug 22, 2019
Transaction Type	Mortgage
Record Updated	Nov 15, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1946 COURAGE ST VISTA CA 920817021, VISTA, CA 92081-7021

Mortgage

Document Number	0000515057
Date	Nov 8, 2019
Instrument	515057

Lender

Name	PHH MTG SVCS
Type	Mortgage Company
Address	WEST PALM BEACH, FL 33416-9838

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 7, 2049

Interest

Rate Type	Fixed Rate
Rate	4.12%

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		$427,888 (+2%) Land $221,323 Building $206,565
2025	$5,409.00 (+7.47%) Homeowner's exemption	$419,499 (+4.04%) Land $216,984 Building $202,515
2023	$5,033.00 (+0.26%) Homeowner's exemption	$403,211 Land $208,559 Building $194,652
2022	$5,020.00

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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