2018 Cottage Way, Vista, CA 92081 Property Records

San Diego County property record for 2018 Cottage Way, Vista, CA 92081

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,098 sqft · built 1984
Lot Size	0.91 acres (3,957 sqft)
Owner	Company Name on Record
Last Sale	$229,500 (Jul 2001)
Tax Bill	$4,473 (2025)
Deeds & Mortgages	Jul 2017 Line of Credit May 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`217-430-09-00`

Property Details

APN / Parcel Number

Primary APN	`217-430-09-00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,098 sqft Living Area

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Lot Area	3,957 sqft (0.91 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	2018 COTTAGE WAY
City	VISTA
State	CA
Zip	92081-8906
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPI
Legal Description	LOT 9 TR 010698
Legal Subdivision	VISTA 83-3
Legal Tract	010698
Legal Block	1
Legal Lot Number	9
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1000
Census Tract	19905

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	Company Name on Record
Mailing Address	2018 COTTAGE WAY, VISTA, CA 92081-8906
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2017	Deed of Trust, Mortgage · Line of Credit MISSION FCU
May 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage CITIBANK NA
Jun 19, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Mar 7, 2018	Deed of Trust, Mortgage · Conventional Mortgage CITIBANK NYS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 27, 2001 · Amount on Record
Deed Sale	Jul 27, 2001 · Amount on Record
Prior Sale	Apr 15, 1994 · Amount on Record
Deed Document Number	2001523960
Prior Transfer Date	Feb 24, 1994
Prior Transfer Doc	0000155713
Record Updated	Oct 29, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2018 COTTAGE WAY, VISTA, CA 92081-8906
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000328830
Date	Jul 21, 2017
Instrument	2017-0328830

Lender

Name	MISSION FCU
Type	Credit Union
Address	SAN DIEGO, CA 92191

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Jul 31, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2018 COTTAGE WAY, VISTA, CA 92081-8906
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000231568
Date	May 6, 2020
Instrument	2020-0231568

Lender

Name	CITIBANK NA
Type	Bank
Address	O FALLON, MO 63368

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2035

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 19, 2019
Property Address	2018 COTTAGE WAY, VISTA, CA 92081-8906
Document Number	0000240102
Instrument Date	Jun 19, 2019
Instrument	240102
Transaction Type	Transfer
Record Updated	Jun 26, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2018 COTTAGE WAY VISTA CA 920818906, VISTA, CA 92081-8906

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2018 COTTAGE WAY, VISTA, CA 92081-8906
Document Number	0000097693
Instrument Date	Mar 7, 2018
Transaction Type	Mortgage
Record Updated	Mar 20, 2018
Title Company	TITLE CONNECT LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2018 COTTAGE WAY VISTA CA 920818906, VISTA, CA 92081-8906

Mortgage

Document Number	0000097693
Date	Mar 13, 2018
Instrument	97693

Lender

Name	CITIBANK NYS
Type	Federal Savings Bank
Address	O FALLON, MO 63368-2240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Mar 12, 2038

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		$345,797 (+2%) Land $195,878 Building $149,919
2025	$4,473.00 (+7.32%) Homeowner's exemption	$339,018 (+4.04%) Land $192,038 Building $146,980
2023	$4,168.00 (+0.24%) Homeowner's exemption	$325,856 Land $184,582 Building $141,274
2022	$4,158.00

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	2 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	Not rated no burnable land within 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 589 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
San Diego Broadband Fixed Wireless	500 / 100
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Cox Communications, Verizon.

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