2318 Sandy Ln, Vista, CA 92081 Property Records

San Diego County property record for 2318 Sandy Ln, Vista, CA 92081

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,780 sqft · built 1990
Lot Size	0.113 acres (4,914 sqft)
Owner	Individual Name on File
Last Sale	$167,000 (Apr 1990)
Tax Bill	$4,143 (2025)
Deeds & Mortgages	Aug 2026 Reverse Mortgage Aug 2026 Reverse Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`217-381-02-00`

Property Details

APN / Parcel Number

Primary APN	`217-381-02-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,780 sqft Living Area

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Lot Area	4,914 sqft (0.113 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	2318 SANDY LN
City	VISTA
State	CA
Zip	92081-8630
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPI
Legal Description	LOT 27 TR 010150
Legal Subdivision	VISTA 79-5
Legal Tract	010150
Legal Block	3
Legal Lot Number	27
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3000
Census Tract	19905

Owner

2318 Sandy Ln is owned and occupied by an individual who acquired it in December 2005.

Source: San Diego County records, as of October 19, 2026

Owner of Record	Individual Name on File
Mailing Address	2318 SANDY LN, VISTA, CA 92081-8630
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2026	Deed of Trust · Reverse Mortgage FIDELITY NATIONAL TITLE
Aug 17, 2026	Deed of Trust, Mortgage · Reverse Mortgage MONEY HOUSE
Jun 5, 2026	Affidavit, Transfer
Jan 18, 2019	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Jan 18, 2019	Deed of Trust, Mortgage · FHA Mortgage FINANCE OF AMERICA REVERSE
Jan 16, 2019	Quit Claim Deed, Transfer BOSTON NATIONAL TITLE LLC, BOSTON NAT'L TITLE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 2, 1990 · Amount on File
Deed Sale	Apr 2, 1990 · Amount on File
Deed Document Number	1990173410
Last Transfer Date	Dec 6, 2005
Transfer Doc	0001053229
Record Updated	Oct 29, 2026

August 2026: Deed of Trust

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 17, 2026
Property Address	2318 SANDY LN, VISTA, CA 92081-8630
Document Number	0000239884
Instrument Date	Aug 10, 2026
Instrument	2026239884
Record Updated	Aug 31, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2318 SANDY LN, VISTA, CA 92081-8630

Mortgage

Document Number	0000239884,
Date	Aug 17, 2026
Instrument	2026239884

Lender

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	834 Months
Due	Feb 18, 2096

Interest

Max Rate	-1%

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Recording Date	Aug 17, 2026
Property Address	2318 SANDY LN, VISTA, CA 92081-8630
Document Number	0000239883
Instrument Date	Aug 10, 2026
Instrument	2026239883
Transaction Type	Mortgage
Record Updated	Aug 25, 2026
Title Company	NATIONAL TITLE NE, NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2318 SANDY LN, VISTA, CA 92081-8630

Mortgage

Document Number	0000239883,
Date	Aug 17, 2026
Instrument	2026239883

Lender

Name	MONEY HOUSE

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	834 Months
Due	Feb 18, 2096

Interest

Rate Type	Adjustable Rate
Rate	6%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2026: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 5, 2026
Property Address	2318 SANDY LN, VISTA, CA 92081-8630
Document Number	0000161617
Instrument Date	May 29, 2026
Instrument	2026161617
Transaction Type	Transfer
Record Updated	Jul 12, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2318 SANDY LN, VISTA, CA 92081-8630

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2318 SANDY LN, VISTA, CA 92081-8630
Document Number	0000023205
Instrument Date	Jan 18, 2019
Transaction Type	Mortgage
Record Updated	Feb 1, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2318 SANDY LN VISTA CA 920818630, VISTA, CA 92081-8630

Mortgage

Document Number	0000023205
Date	Jan 22, 2019
Instrument	23205

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	816 Months
Due	Jan 21, 2087

Interest

Rate Type	Adjustable Rate
Rate	4.33%

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2318 SANDY LN, VISTA, CA 92081-8630
Document Number	0000023204
Instrument Date	Jan 18, 2019
Transaction Type	Mortgage
Record Updated	Feb 1, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2318 SANDY LN VISTA CA 920818630, VISTA, CA 92081-8630

Mortgage

Document Number	0000023204
Date	Jan 22, 2019
Instrument	23204

Lender

Name	FINANCE OF AMERICA REVERSE
Address	TULSA, OK 74133

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	816 Months
Due	Jan 21, 2087

Interest

Rate Type	Adjustable Rate
Rate	4.33%

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 16, 2019
Property Address	2318 SANDY LN, VISTA, CA 92081-8630
Document Number	0000016823
Instrument Date	Jan 14, 2019
Instrument	16823
Transaction Type	Transfer
Record Updated	Jan 24, 2019
Title Company	BOSTON NATIONAL TITLE LLC, BOSTON NAT'L TITLE LLC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2318 SANDY LN VISTA CA 920818630, VISTA, CA 92081-8630

Tax Assessment & Valuation

The 2025 property tax bill for 2318 Sandy Ln was $4,143.

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	San Marcos Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$313,159 (+2%) Land $127,583 Building $185,576
2025	$4,143.00 Homeowner's exemption	$307,020 Land $125,082 Building $181,938
2023	$3,897.00 (+1.17%) Homeowner's exemption	$295,100 Land $120,226 Building $174,874
2022	$3,852.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 2318 Sandy Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 2318 Sandy Ln is low, with less than a 0.01% annual chance of 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	Direct burnable vegetation

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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