2202 Cottage Way, Vista, CA 92081 Property Records

San Diego County property record for 2202 Cottage Way, Vista, CA 92081

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,164 sqft · built 1984
Lot Size	0.125 acres (5,463 sqft)
Owner	2 Individual Names on Record
Last Sale	$775,000 (Oct 2021)
Tax Bill	$7,480 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Jul 2021 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`217-443-04-00`

Property Details

APN / Parcel Number

Primary APN	`217-443-04-00`

Interior

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

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Contemporary
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	5,463 sqft (0.125 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	2202 COTTAGE WAY
City	VISTA
State	CA
Zip	92081-8910
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPI
Legal Description	LOT 82 TR 010947
Legal Subdivision	VISTA #83-3 PH II
Legal Tract	010947
Legal Block	1
Legal Lot Number	82
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1002
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	2 Individual Names on Record
Mailing Address	2202 COTTAGE WAY, VISTA, CA 92081-8910
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Community Property

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2021	Grant Deed, Transfer · Conventional Mortgage SIERRA PACIFIC MORTGAGE CO INC
Jul 27, 2021	Affidavit of Death of Joint Tenant, Transfer LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY
Jul 27, 2021	Intrafamily Transfer, Transfer LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY
Jul 27, 2021	Intrafamily Transfer, Transfer LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY
Jul 27, 2021	Intrafamily Transfer, Transfer LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY
Jul 27, 2021	Grant Deed, Transfer LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 19, 2021 · Amount on Record
Deed Sale	Oct 19, 2021 · Amount on Record
Prior Sale	Jul 27, 2021 · Amount on Record
Deed Document Number	2021728279
Prior Transfer Date	Jul 20, 2021
Prior Transfer Doc	0000532169
Record Updated	Oct 29, 2026

October 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 19, 2021
Property Address	2202 COTTAGE WAY, VISTA, CA 92081-8910
Document Number	0000728279
Map Reference	MAP 10947
Instrument Date	Oct 11, 2021
Instrument	2021-0728279
Transaction Type	Transfer
Record Updated	Nov 1, 2021
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

Transaction

Amount	Amount Recorded
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	Community Property with Right of Survivorship
Address	2886 RANCHO RIO CHICO, CARLSBAD, CA 92009-3004

Mortgage

Document Number	0000728281
Date	Oct 19, 2021
Instrument	2021-0728281

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company

Agreement

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

July 2021: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 27, 2021
Property Address	2202 COTTAGE WAY, VISTA, CA 92081-8910
Document Number	0000532165
Map Reference	MAP 10947
Instrument Date	Jul 22, 2021
Instrument	2021-0532165
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS 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
Address	2202 COTTAGE WAY, VISTA, CA 92081-8910

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 27, 2021
Property Address	2202 COTTAGE WAY, VISTA, CA 92081-8910
Document Number	0000532169
Map Reference	MAP 10947
Instrument Date	Jul 20, 2021
Instrument	2021-0532169
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS 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
Address	921 SANDCASTLE DR, CARDIFF BY THE SEA, CA 92007-1125

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 27, 2021
Property Address	2202 COTTAGE WAY, VISTA, CA 92081-8910
Document Number	0000532168
Map Reference	MAP 10947
Instrument Date	Jul 20, 2021
Instrument	2021-0532168
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS 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
Address	348 FULVIA ST, ENCINITAS, CA 92024-2143

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 27, 2021
Property Address	2202 COTTAGE WAY, VISTA, CA 92081-8910
Document Number	0000532167
Map Reference	MAP 10947
Instrument Date	Jul 20, 2021
Instrument	2021-0532167
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS 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
Address	1870 JARDINE CT, VISTA, CA 92081-5339

July 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 27, 2021
Property Address	2202 COTTAGE WAY, VISTA, CA 92081-8910
Document Number	0000532166
Map Reference	MAP 10947
Instrument Date	Jul 20, 2021
Instrument	2021-0532166
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	LAWYERS TITLE COMPANY/CA, LAWYERS TITLE COMPANY

Transaction

Amount	Amount Recorded
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	Tenants in Common
Address	348 FULVIA ST, ENCINITAS, CA 92024-2143

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		$617,335 (+2%) Land $517,946 Building $99,389
2025	$7,480.00 (+7.84%) Homeowner's exemption	$605,232 (+4.04%) Land $507,791 Building $97,441
2023	$6,936.00 (+0.25%) Homeowner's exemption	$581,732 Land $488,074 Building $93,658
2022	$6,919.00

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 · 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

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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