2312 Cobblestone Ln, Vista, CA 92081 Property Records

San Diego County property record for 2312 Cobblestone Ln, Vista, CA 92081

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,482 sqft · built 1985
Lot Size	0.235 acres (10,258 sqft)
Owner	2 Individual Names on Record
Last Sale	$550,000 (Oct 2018)
Tax Bill	$7,574 (2025)
Deeds & Mortgages	May 2022 Line of Credit Mar 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`217-441-06-00`

Property Details

APN / Parcel Number

Primary APN	`217-441-06-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	1,482 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Conventional
Lot Area	10,258 sqft (0.235 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	2312 COBBLESTONE LN
City	VISTA
State	CA
Zip	92081-8903
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPI
Legal Description	LOT 168 TR 010947
Legal Subdivision	VISTA PH 11M 83-3
Legal Tract	010947
Legal Block	1
Legal Lot Number	168
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1000
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	2312 COBBLESTONE LN, VISTA, CA 92081-8903
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 18, 2022	Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC
Mar 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Mar 16, 2020	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
Oct 9, 2018	Grant Deed, Transfer · FHA Mortgage CALIBER HM LOANS
Mar 10, 2017	Quit Claim Deed, Transfer ORANGE COAST TITLE COMPANY, ORANGE COAST TITLE CO
Mar 9, 2017	Grant Deed, Transfer · FHA Mortgage ORION LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 9, 2018 · Amount on Record
Deed Sale	Oct 9, 2018 · Amount on Record
Prior Sale	Mar 9, 2017 · Amount on Record
Deed Document Number	2018419517
Prior Transfer Date	Mar 6, 2017
Prior Transfer Doc	0000112133
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2312 COBBLESTONE LN, VISTA, CA 92081-8903
Transaction Type	Mortgage
Record Updated	May 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2312 COBBLESTONE LN, VISTA, CA 92081-8903

Mortgage

Document Number	0000213025
Date	May 18, 2022
Instrument	2022-0213025

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	LIMA, OH 45801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 6, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2312 COBBLESTONE LN, VISTA, CA 92081-8903
Transaction Type	Mortgage
Record Updated	Mar 23, 2021
Title Company	AMERICAN SW TITLE, AMERICAN COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2312 COBBLESTONE LN, VISTA, CA 92081-8903

Mortgage

Document Number	0000184249
Date	Mar 10, 2021
Instrument	2021-0184249

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

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

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2312 COBBLESTONE LN, VISTA, CA 92081-8903
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000134147
Date	Mar 16, 2020
Instrument	2020-0134147

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 9, 2018
Property Address	2312 COBBLESTONE LN, VISTA, CA 92081-8903
Document Number	0000419517
Instrument Date	Oct 5, 2018
Instrument	419517
Transaction Type	Transfer
Record Updated	Nov 22, 2018
Title Company	FIDELITY NATIONAL TITLE SAN DIEGO, FIDELITY NAT'L TITLE SAN DIEGO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$605.00
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	2312 COBBLESTONE LN VISTA CA 920818903, VISTA, CA 92081-8903

Mortgage

Document Number	419518
Date	Oct 9, 2018
Instrument	419518

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 8, 2048

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 10, 2017
Property Address	2312 COBBLESTONE LN, VISTA, CA 92081-8903
Document Number	0000112133
Instrument Date	Mar 6, 2017
Instrument	112133
Transaction Type	Transfer
Record Updated	Mar 16, 2017
Title Company	ORANGE COAST TITLE COMPANY, ORANGE COAST 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	Separate Estate/Property
Address	2312 COBBLESTONE LN VISTA CA 920818903, VISTA, CA 92081-8903

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 9, 2017
Property Address	2312 COBBLESTONE LN, VISTA, CA 92081-8903
Document Number	0000110494
Instrument Date	Feb 13, 2017
Instrument	110494
Transaction Type	Transfer
Record Updated	Mar 16, 2017
Title Company	ORANGE COAST TITLE COMPANY, ORANGE COAST TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$566.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	2312 COBBLESTONE LN VISTA CA 920818903, VISTA, CA 92081-8903

Mortgage

Document Number	110495
Date	Mar 9, 2017
Instrument	110495

Lender

Name	ORION LNDG
Address	ORANGE, CA 92868

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 8, 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		$625,798 (+2%) Land $441,658 Building $184,140
2025	$7,574.00 (+7.86%) Homeowner's exemption	$613,529 (+4.04%) Land $432,999 Building $180,530
2023	$7,022.00 (+0.24%) Homeowner's exemption	$589,707 Land $416,186 Building $173,521
2022	$7,005.00

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 96% of the US · lower than 97.4% of California
Wildfire Likelihood	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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