2106 Opal Rdg, Vista, CA 92081 Property Records

San Diego County property record for 2106 Opal Rdg, Vista, CA 92081

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,316 sqft · built 1993
Lot Size	0.121 acres (5,269 sqft)
Owner	Company Name on Record
Last Sale	$226,000 (Apr 1993)
Tax Bill	$5,198 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Jun 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`219-502-21-00`

Property Details

APN / Parcel Number

Primary APN	`219-502-21-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,316 sqft Living Area

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Lot Area	5,269 sqft (0.121 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	2106 OPAL RDG
City	VISTA
State	CA
Zip	92081-8801
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPI
Legal Description	LOT 93 TR 012431
Legal Subdivision	VISTA #88-1 PH II
Legal Tract	012431
Legal Block	3
Legal Lot Number	93
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3014
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	2106 OPAL RDG, VISTA, CA 92081-8801
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jun 24, 2021	Intrafamily Transfer, Transfer
Nov 17, 2017	Deed of Trust, Mortgage · Line of Credit NAVY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 16, 1993 · Amount on Record
Deed Sale	Apr 16, 1993 · Amount on Record
Deed Document Number	1993236687
Last Transfer Date	Nov 4, 2002
Transfer Doc	0001042189
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2106 OPAL RDG, VISTA, CA 92081-8801
Transaction Type	Mortgage
Record Updated	Jul 6, 2021
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL AGENCY SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2106 OPAL RDG, VISTA, CA 92081-8801

Mortgage

Document Number	0000461871
Date	Jun 25, 2021
Instrument	2021-0461871

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	May 1, 2051

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 24, 2021
Property Address	2106 OPAL RDG, VISTA, CA 92081-8801
Document Number	0000459942
Map Reference	MAP 12431
Instrument Date	May 26, 2021
Instrument	2021-0459942
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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	Family Trust
Address	2106 OPAL RDG, VISTA, CA 92081-8801

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2106 OPAL RDG, VISTA, CA 92081-8801
Document Number	0000565604
Instrument Date	Nov 17, 2017
Transaction Type	Mortgage
Record Updated	Dec 11, 2017
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2106 OPAL RDG VISTA CA 920818801, VISTA, CA 92081-8801

Mortgage

Document Number	0000565604
Date	Dec 5, 2017
Instrument	565604

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Dec 4, 2057

Interest

Rate Type	Adjustable Rate

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		$395,238 (+2%) Land $104,000 Building $291,238
2025	$5,198.00 (+7.66%) Homeowner's exemption	$387,489 (+4.04%) Land $101,961 Building $285,528
2023	$4,828.00 (+0.23%) Homeowner's exemption	$372,444 Land $98,002 Building $274,442
2022	$4,817.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 308 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Spectrum, T-Mobile.

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