2124 Cottage Way, Vista, CA 92081 Property Records

San Diego County property record for 2124 Cottage Way, Vista, CA 92081

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,164 sqft · built 1984
Lot Size	0.114 acres (4,972 sqft)
Owner	2 Individual Names on File
Last Sale	$761,000 (Aug 2023)
Tax Bill	$9,412 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Aug 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`217-430-49-00`

Property Details

APN / Parcel Number

Primary APN	`217-430-49-00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,164 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Contemporary
Exterior Material	Stucco
Roof Material	Composition Shingle
Lot Area	4,972 sqft (0.114 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	2124 COTTAGE WAY
City	VISTA
State	CA
Zip	92081-8908
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPI
Legal Description	LOT 49 TR 010698
Legal Subdivision	VISTA 83-3
Legal Tract	010698
Legal Block	1
Legal Lot Number	49
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1002
Census Tract	19905

Owner

2124 Cottage Way is owned and occupied by two individuals who bought it in August 2023.

Source: San Diego County records, as of July 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2124 COTTAGE WAY, VISTA, CA 92081-8908
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2025	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Aug 7, 2023	Grant Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 7, 2023 · Amount on File
Deed Sale	Aug 7, 2023 · Amount on File
Prior Sale	Oct 5, 2010 · Amount on File
Deed Document Number	2023213847
Prior Transfer Date	Jul 19, 1996
Prior Transfer Doc	0000366136
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2124 COTTAGE WAY, VISTA, CA 92081-8908
Transaction Type	Mortgage
Record Updated	Dec 31, 2025
Title Company	TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2124 COTTAGE WAY, VISTA, CA 92081-8908

Mortgage

Document Number	0000360090
Date	Dec 22, 2025
Instrument	2025-0360090

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

August 2023: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 7, 2023
Property Address	2124 COTTAGE WAY, VISTA, CA 92081-8908
Document Number	0000213847
Map Reference	MAP 10698
Instrument Date	Jul 24, 2023
Instrument	2023-0213847
Transaction Type	Transfer
Record Updated	Aug 16, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TTL SAN DIEGO

Transaction

Amount	Amount on Record
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	2124 COTTAGE WAY, VISTA, CA 92081-8908

Mortgage

Document Number	0000213848
Date	Aug 7, 2023
Instrument	2023-0213848

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 2124 Cottage Way was $9,412 with a homeowner's exemption.

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		$791,743 (+2%) Land $343,088 Building $448,655
2025	$9,412.00 Homeowner's exemption	$776,219 Land $336,361 Building $439,858
2023	$4,052.00 (-13.88%)	$369,418 Land $160,081 Building $209,337
2022	$4,705.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 2124 Cottage Way in Zone X, an area of minimal flood risk.

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

Wildfire risk around 2124 Cottage Way is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.8% of California
Wildfire Likelihood	Under 0.01% 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 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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