2195 Opal Rdg, Vista, CA 92081 Property Records

San Diego County property record for 2195 Opal Rdg, Vista, CA 92081

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,667 sqft · built 1993
Lot Size	0.151 acres (6,567 sqft)
Owner	Company Name on Record
Last Sale	$520,000 (Dec 2013)
Tax Bill	$8,021 (2025)
Deeds & Mortgages	Sep 2018 Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`219-500-20-00`

Property Details

APN / Parcel Number

Primary APN	`219-500-20-00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	2,667 sqft Living Area

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Lot Area	6,567 sqft (0.151 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	2195 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 37 TR 012430
Legal Subdivision	88-1 PH 1
Legal Tract	012430
Legal Block	3
Legal Lot Number	37
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	2195 OPAL RDG, VISTA, CA 92081-8829
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2018	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Dec 21, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Dec 21, 2020	Quit Claim Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 27, 2013 · Amount on Record
Deed Sale	Dec 27, 2013 · Amount on Record
Prior Sale	Jun 24, 2003 · Amount on Record
Deed Document Number	2013741827
Last Transfer Date	Dec 14, 2020
Transfer Doc	0000820478
Record Updated	Oct 29, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2195 OPAL RDG, VISTA, CA 92081-8829
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK TITLE CALIFORNIA INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000404642
Date	Sep 28, 2018
Instrument	2018-0404642

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2048

December 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 21, 2020
Property Address	2195 OPAL RDG, VISTA, CA 92081-8829
Document Number	0000820478
Map Reference	MAP 12430
Instrument Date	Dec 14, 2020
Instrument	2020-0820478
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	CHICAGO TITLE COMPANY

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	Joint Tenants
Address	2195 OPAL RDG, VISTA, CA 92081-8829

Mortgage

Document Number	0000820479
Date	Dec 21, 2020
Instrument	2020-0820479

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

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

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 21, 2020
Property Address	2195 OPAL RDG, VISTA, CA 92081-8829
Document Number	0000820480
Instrument Date	Dec 14, 2020
Instrument	820480
Transaction Type	Transfer
Record Updated	Dec 30, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	2195 OPAL RDG VISTA CA 920818829, VISTA, CA 92081-8829

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		$650,183 (+2%) Land $343,689 Building $306,494
2025	$8,021.00 (+8%) Homeowner's exemption	$637,435 (+4.04%) Land $336,950 Building $300,485
2023	$7,427.00 (+0.24%) Homeowner's exemption	$612,685 Land $323,867 Building $288,818
2022	$7,409.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 66% of the US · lower than 80% of California
Wildfire Likelihood	0.03% 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.

Nearby Properties on Opal Rdg

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures