2461 San Clemente Way, Vista, CA 92084 Property Records

San Diego County property record for 2461 San Clemente Way, Vista, CA 92084

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,072 sqft · built 1982
Lot Size	0.91 acres (39,640 sqft)
Owner	2 Trust Names on File
Last Sale	$520,000 (Sep 2015)
Tax Bill	$6,909 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Oct 2025 Transfer + 5 more
Flood Zone	Zone X (minimal risk)
APN	`178-120-24-00`

Property Details

APN / Parcel Number

Primary APN	`178-120-24-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	2,072 sqft Living Area

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Lot Area	39,640 sqft (0.91 acres)
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	2461 SAN CLEMENTE WAY
City	VISTA
State	CA
Zip	92084-5831
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	SEC 21-11-3W SWQ DOC73-271021 IN
Legal Range	03W
Legal Township	11
Legal Section	21
Legal Block	2
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2010
Census Tract	19208

Owner

2461 San Clemente Way is owner-occupied and held in a trust since September 2015.

Source: San Diego County records, as of July 28, 2026

Owner of Record	2 Trust Names on File
Mailing Address	2461 SAN CLEMENTE WAY, VISTA, CA 92084-5831
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Jan 28, 2026	Deed of Trust, Mortgage · Line of Credit FRONTWAVE CU
Oct 20, 2025	Intrafamily Transfer, Transfer
Dec 16, 2019	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Jan 19, 2022	Deed of Trust, Mortgage · Conventional Mortgage MISSION FCU
Jun 21, 2022	Deed of Trust, Mortgage · Line of Credit FRONTWAVE CU
Nov 20, 2020	Deed of Trust, Mortgage · Line of Credit FRONTWAVE CU
Apr 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 9, 2015 · Amount on File
Deed Sale	Sep 9, 2015 · Amount on File
Prior Sale	Oct 21, 1999 · Amount on File
Deed Document Number	2015476520
Prior Transfer Date	Oct 15, 1996
Prior Transfer Doc	0000553017
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2461 SAN CLEMENTE WAY, VISTA, CA 92084-5831
Transaction Type	Mortgage
Record Updated	Feb 5, 2026
Title Company	STEWART TITLE, STEWART TITLE OF CA INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2461 SAN CLEMENTE WAY, VISTA, CA 92084-5831

Mortgage

Document Number	0000024306
Date	Jan 28, 2026
Instrument	2026-0024306

Lender

Name	FRONTWAVE CU
Type	Credit Union
Address	OCEANSIDE, CA 92056

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jan 24, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 20, 2025
Property Address	2461 SAN CLEMENTE WAY, VISTA, CA 92084-5831
Document Number	0000292637
Instrument Date	Oct 10, 2025
Instrument	2025-0292637
Transaction Type	Transfer
Record Updated	Oct 29, 2025

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	2461 SAN CLEMENTE WAY, VISTA, CA 92084-5831

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2461 SAN CLEMENTE WAY, VISTA, CA 92084-5831
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000585518
Date	Dec 16, 2019
Instrument	2019-0585518

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	SAN FRANCISCO, CA 94108

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Dec 15, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2461 SAN CLEMENTE WAY, VISTA, CA 92084-5831
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	CALIFORNIA TITLE COMPANY, CALIFORNIA MEMBERS TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2461 SAN CLEMENTE WAY, VISTA, CA 92084-5831

Mortgage

Document Number	0000026208
Date	Jan 19, 2022
Instrument	2022-0026208

Lender

Name	MISSION FCU
Type	Credit Union
Address	SAN DIEGO, CA 92191

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2461 SAN CLEMENTE WAY, VISTA, CA 92084-5831
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	CHICAGO TITLE PIRT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2461 SAN CLEMENTE WAY, VISTA, CA 92084-5831

Mortgage

Document Number	0000255579
Date	Jun 21, 2022
Instrument	2022-0255579

Lender

Name	FRONTWAVE CU
Type	Credit Union
Address	OCEANSIDE, CA 92056

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jun 24, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2461 SAN CLEMENTE WAY, VISTA, CA 92084-5831
Document Number	0000761326
Instrument Date	Nov 20, 2020
Transaction Type	Mortgage
Record Updated	Dec 8, 2020
Title Company	CHICAGO TITLE PIRT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2461 SAN CLEMENTE WAY VISTA CA 920845831, VISTA, CA 92084-5831

Mortgage

Document Number	0000761326
Date	Dec 1, 2020
Instrument	761326

Lender

Name	FRONTWAVE CU
Address	OCEANSIDE, CA 92056

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Nov 30, 2045

Interest

Rate Type	Adjustable Rate

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2461 SAN CLEMENTE WAY, VISTA, CA 92084-5831
Document Number	0000182099
Instrument Date	Apr 2, 2020
Transaction Type	Mortgage
Record Updated	Apr 27, 2020
Title Company	CHICAGO TITLE COMPANY-SD, CHICAGO TITLE CO-SD

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2461 SAN CLEMENTE WAY VISTA CA 920845831, VISTA, CA 92084-5831

Mortgage

Document Number	0000182099
Date	Apr 9, 2020
Instrument	182099

Lender

Name	FINANCE OF AMERICA MTG
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 8, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 2461 San Clemente Way was $6,909.

Source: San Diego County assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Unified School District	Vista Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$627,873 (+2%) Land $106,151 Building $521,722
2025	$6,909.00 Homeowner's exemption	$615,563 Land $104,070 Building $511,493
2023	$6,356.00 (+0.28%) Homeowner's exemption	$591,662 Land $100,030 Building $491,632
2022	$6,338.00

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

Flood

FEMA maps place 2461 San Clemente Way in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1998.

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (1998)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 1998 · Severe Winter Storms And Flooding

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

Wildfire risk around 2461 San Clemente Way is low, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · lower than 77% of California
Wildfire Likelihood	0.06% 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 129 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
San Diego Broadband Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, T-Mobile.

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