2150 Opal Rdg, Vista, CA 92081 Property Records

San Diego County property record for 2150 Opal Rdg, Vista, CA 92081

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,358 sqft · built 1991
Lot Size	0.127 acres (5,552 sqft)
Owner	2 Individual Names on Record
Last Sale	$590,000 (Oct 2019)
Tax Bill	$8,110 (2025)
Deeds & Mortgages	Oct 2020 Reverse Mortgage Aug 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`219-504-06-00`

Property Details

APN / Parcel Number

Primary APN	`219-504-06-00`
Alternative APN	`2195010600`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,358 sqft Living Area

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Lot Area	5,552 sqft (0.127 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Old Parcel Number	2195010600
Street Address	2150 OPAL RDG
City	VISTA
State	CA
Zip	92081-8802
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPI
Legal Description	LOT 11 TR 012431
Legal Subdivision	VISTA #88-1 PH 11
Legal Tract	012431
Legal Block	3
Legal Lot Number	11
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3022
Census Tract	19905

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	2150 OPAL RDG, VISTA, CA 92081-8802
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2020	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GOURP
Aug 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Oct 1, 2019	Grant Deed, Transfer · Conventional with PMI AMERICAN ADVISORS
Nov 30, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage DLJ FINANCIAL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2019 · Amount on Record
Deed Sale	Oct 1, 2019 · Amount on Record
Prior Sale	Aug 28, 2009 · Amount on Record
Deed Document Number	2019436526
Prior Transfer Date	Aug 27, 1997
Prior Transfer Doc	0000422113
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2150 OPAL RDG, VISTA, CA 92081-8802
Transaction Type	Mortgage
Record Updated	Dec 22, 2022
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2150 OPAL RDG, VISTA, CA 92081-8802

Mortgage

Document Number	0000616221
Date	Oct 13, 2020
Instrument	2020-0616221

Lender

Name	AMERICAN ADVISORS GOURP
Type	Reverse Mortgage Lender
Address	ORANGE, CA 92868

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2150 OPAL RDG, VISTA, CA 92081-8802
Transaction Type	Mortgage
Record Updated	Aug 23, 2021
Title Company	TICOR TITLE INSURANCE COMPANY, TICOR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2150 OPAL RDG, VISTA, CA 92081-8802

Mortgage

Document Number	0000576055
Date	Aug 12, 2021
Instrument	2021-0576055

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

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

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 1, 2019
Property Address	2150 OPAL RDG, VISTA, CA 92081-8802
Document Number	0000436526
Instrument Date	Sep 6, 2019
Instrument	436526
Transaction Type	Transfer
Record Updated	Oct 9, 2019
Title Company	TICOR TITLE SAN DIEGO BR

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$649.00
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2150 OPAL RDG VISTA CA 920818802, VISTA, CA 92081-8802

Mortgage

Document Number	436527
Date	Oct 1, 2019
Instrument	436527

Lender

Name	AMERICAN ADVISORS
Address	ORANGE, CA 92868-1638

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 30, 2049

November 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Nov 30, 2017
Property Address	2150 OPAL RDG, VISTA, CA 92081-8802
Document Number	0000554889
Map Reference	MAP12431
Instrument Date	Nov 24, 2017
Instrument	2017-0554889
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	WFG NATIONAL TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	2150 OPAL RDG, VISTA, CA 92081-8802

Mortgage

Document Number	0000554890
Date	Nov 30, 2017
Instrument	2017-0554890

Lender

Name	DLJ FINANCIAL INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 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		$658,151 (+2%) Land $219,383 Building $438,768
2025	$8,110.00 (+8.02%) Homeowner's exemption	$645,247 (+4.04%) Land $215,082 Building $430,165
2023	$7,508.00 (+0.24%) Homeowner's exemption	$620,193 Land $206,731 Building $413,462
2022	$7,490.00

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	Low lower than 65% of the US · lower than 79% 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 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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