2185 Opal Rdg, Vista, CA 92081 Property Records

San Diego County property record for 2185 Opal Rdg, Vista, CA 92081

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,537 sqft · built 1992
Lot Size	0.136 acres (5,923 sqft)
Owner	2 Individual Names on File
Last Sale	$1,075,000 (Aug 2022)
Tax Bill	$13,454 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Jul 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`219-500-25-00`

Property Details

APN / Parcel Number

Primary APN	`219-500-25-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,537 sqft Living Area

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Lot Area	5,923 sqft (0.136 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	2185 OPAL RDG
City	VISTA
State	CA
Zip	92081-8829
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPI
Legal Description	LOT 42 TR 012430
Legal Subdivision	88-1 PH 1
Legal Tract	012430
Legal Block	3
Legal Lot Number	42
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3014
Census Tract	19905

Owner

Source: San Diego County assessment roll, as of July 21, 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 File
Mailing Address	2185 OPAL RDG, VISTA, CA 92081-8829
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2022	Grant Deed, Transfer · Conventional Mortgage BAY EQUITY LLC
Jul 6, 2018	Deed of Trust, Mortgage · ARM NORTHPOINTE BANK
Dec 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 30, 2022 · Amount on Record
Deed Sale	Aug 30, 2022 · Amount on Record
Prior Sale	Apr 27, 1998 · Amount on Record
Deed Document Number	2022347109
Prior Transfer Date	Mar 24, 1998
Prior Transfer Doc	0000240084
Record Updated	Sep 20, 2026

August 2022: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 30, 2022
Property Address	2185 OPAL RDG, VISTA, CA 92081-8829
Document Number	0000347109
Map Reference	MAP 12430
Instrument Date	Aug 5, 2022
Instrument	2022-0347109
Transaction Type	Transfer
Record Updated	Sep 8, 2022
Title Company	FIRST AMERICAN TTL SAN DIEGO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	2185 OPAL RDG, VISTA, CA 92081-8829

Mortgage

Document Number	0000347110
Date	Aug 30, 2022
Instrument	2022-0347110

Lender

Name	BAY EQUITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

Mortgage

Document Number	0000347111
Date	Aug 30, 2022
Instrument	2022-0347111

Lender

Name	ALASKA USA FCU
Type	Credit Union
Address	ANCHORAGE, AK 99519

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 29, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2185 OPAL RDG, VISTA, CA 92081-8829
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000275657
Date	Jul 6, 2018
Instrument	2018-0275657

Lender

Name	NORTHPOINTE BANK
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Jul 1, 2023
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	6%
Index	1-Year LIBOR
Max Rate	6%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2185 OPAL RDG, VISTA, CA 92081-8829
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2185 OPAL RDG, VISTA, CA 92081-8829

Mortgage

Document Number	0000844876
Date	Dec 30, 2020
Instrument	2020-0844876

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

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

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 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		$1,140,798 (+2%) Land $822,436 Building $318,362
2025	$13,454.00 (+8.26%) Homeowner's exemption	$1,118,430 (+4.04%) Land $806,310 Building $312,120
2023	$12,427.00 (+143.52%) Homeowner's exemption	$1,075,000 Land $775,000 Building $300,000
2022	$5,103.00

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 64% 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 328 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Spectrum, T-Mobile, Verizon.

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