2491 San Clemente Ave, Vista, CA 92084 Property Records

San Diego County property record for 2491 San Clemente Ave, Vista, CA 92084

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,475 sqft · built 2016
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on File
Last Sale	$869,000 (Mar 2017)
Tax Bill	$12,901 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Jul 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`178-070-82-00`

Property Details

APN / Parcel Number

Primary APN	`178-070-82-00`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	3,475 sqft Living Area

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Lot Area	21,780 sqft (0.5 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	2491 SAN CLEMENTE AVE
City	VISTA
State	CA
Zip	92084-5824
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	E-1
Legal Description	LOT 4 TR 015927
Legal Subdivision	02-096 VISTA
Legal Tract	015927
Legal Block	2
Legal Lot Number	4
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2012
Census Tract	19208

Owner

Source: San Diego County assessment roll, as of July 21, 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 File
Mailing Address	2491 SAN CLEMENTE AVE, VISTA, CA 92084-5824
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 19, 2026	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jul 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage PRIMELENDING
Nov 15, 2018	Deed of Trust, Mortgage · ARM MUFG UNION BANK NA
Mar 9, 2017	Grant Deed, Subdivision Related Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 9, 2017 · Amount on Record
Deed Sale	Mar 9, 2017 · Amount on Record
Prior Sale	Dec 12, 2014 · Amount on Record
Deed Document Number	2017110445
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2491 SAN CLEMENTE AVE, VISTA, CA 92084-5824
Transaction Type	Mortgage
Record Updated	Feb 27, 2026
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2491 SAN CLEMENTE AVE, VISTA, CA 92084-5824
Investor	Possibly a Property Investor

Mortgage

Document Number	0000045867
Date	Feb 19, 2026
Instrument	2026-0045867

Lender

Name	US BANK NA
Type	Bank
Address	HOPKINS, MN 55343

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 25, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2491 SAN CLEMENTE AVE, VISTA, CA 92084-5824
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2491 SAN CLEMENTE AVE, VISTA, CA 92084-5824

Mortgage

Document Number	0000542727
Date	Jul 30, 2021
Instrument	2021-0542727

Lender

Name	PRIMELENDING
Type	Mortgage Company
Address	DALLAS, TX 75252

Agreement

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

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2491 SAN CLEMENTE AVE, VISTA, CA 92084-5824
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2491 SAN CLEMENTE AVE, VISTA, CA 92084-5824

Mortgage

Document Number	0000476634
Date	Nov 15, 2018
Instrument	2018-0476634

Lender

Name	MUFG UNION BANK NA
Type	Bank
Address	SAN DIEGO, CA 92121

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	Dec 1, 2025
Change Frequency	Annually
Min Rate At Change	2.37%
Max Rate At Change	6.37%
Index	1-Year LIBOR
Max Rate	10.3%

March 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Mar 9, 2017
Property Address	2491 SAN CLEMENTE AVE, VISTA, CA 92084-5824
Document Number	0000110445
Map Reference	MAP5664
Instrument Date	Mar 1, 2017
Instrument	2017-0110445
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 25, 2022
Title Company	FNTG

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	Joint Tenants
Address	2491 SAN CLEMENTE AVE, VISTA, CA 92084-5824
Investor	Possibly a Property Investor

Mortgage

Document Number	0000110446
Date	Mar 9, 2017
Instrument	2017-0110446

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 21, 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		$1,100,902 (+2%) Land $361,264 Building $739,638
2025	$12,901.00 (+8.14%) Homeowner's exemption	$1,079,317 (+4.04%) Land $354,181 Building $725,136
2023	$11,930.00 (+0.24%) Homeowner's exemption	$1,037,408 Land $340,429 Building $696,979
2022	$11,901.00

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
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

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

Wildfire Risk	Moderate above 51% of the US · lower than 69% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation at the parcel

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 132 locations within half a mile, as of December 31, 2025

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

May also be available: San Diego Broadband, T-Mobile USA.

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