2904 Ora Avo Ter, Vista, CA 92084 Property Records

San Diego County property record for 2904 Ora Avo Ter, Vista, CA 92084

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 4,626 sqft · built 2000
Lot Size	4.06 acres (176,854 sqft)
Owner	Trust Name on File
Last Sale	$1,094,000 (Jan 2017)
Tax Bill	$14,360 (2025)
Deeds & Mortgages	Nov 2021 Mortgage May 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`181-260-05-00`

Property Details

APN / Parcel Number

Primary APN	`181-260-05-00`
Alternative APN	`1810402600`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Building Area	4,626 sqft Living Area

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Lot Area	176,854 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Old Parcel Number	1810402600
Street Address	2904 ORA AVO TER
City	VISTA
State	CA
Zip	92084-6548
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	SEC 28-11-3W NEQ DOC84-264878 IN SWQ OF
Legal Range	03W
Legal Township	11
Legal Section	28
Legal Block	2
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	2
Census Block	2015
Census Tract	19208

Owner

2904 Ora Avo Ter is owner-occupied and held in a trust since January 2017.

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

Owner of Record	Trust Name on File
Mailing Address	2904 ORA AVO TER, VISTA, CA 92084-6548
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Personal 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
Nov 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage CITY NATIONAL BANK
May 26, 2017	Deed of Trust, Mortgage · Conventional Mortgage CITY NATIONAL BANK
Jan 6, 2017	Grant Deed, Transfer TICOR TITLE INSURANCE COMPANY, TICOR TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 6, 2017 · Amount on File
Deed Sale	Jan 6, 2017 · Amount on File
Prior Sale	Jan 27, 2016 · Amount on File
Deed Document Number	20178343
Prior Transfer Date	Nov 1, 2013
Prior Transfer Doc	0000725964
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2904 ORA AVO TER, VISTA, CA 92084-6548
Transaction Type	Mortgage
Record Updated	Nov 17, 2021
Title Company	NORTH AMERICAN TITLE INSURANCE COMPANY, NORTH AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	262 HEMLOCK DR NW, GIG HARBOR, WA 98335-5901

Mortgage

Document Number	0000776239
Date	Nov 9, 2021
Instrument	2021-0776239

Lender

Name	CITY NATIONAL BANK
Type	Bank
Address	LOS ANGELES, CA 90071

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	2904 ORA AVO TER, VISTA, CA 92084-6548
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000237194
Date	May 26, 2017
Instrument	2017-0237194

Lender

Name	CITY NATIONAL BANK
Type	Bank
Address	LOS ANGELES, CA 90071

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2047

January 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jan 6, 2017
Property Address	2904 ORA AVO TER, VISTA, CA 92084-6548
Document Number	0000008343
Instrument Date	Dec 29, 2016
Instrument	8343
Transaction Type	Transfer
Record Updated	Jan 11, 2017
Title Company	TICOR TITLE INSURANCE COMPANY, TICOR TITLE

Transaction

Amount	Amount on Record
Tax	$1,203.40
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	2904 ORA AVO TER VISTA CA 920846548, VISTA, CA 92084-6548

Tax Assessment & Valuation

The 2025 property tax bill for 2904 Ora Avo Ter was $14,360 with a homeowner's exemption.

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		$1,294,747 (+2%) Land $710,274 Building $584,473
2025	$14,360.00 Homeowner's exemption	$1,269,361 Land $696,348 Building $573,013
2023	$13,218.00 (+0.26%) Homeowner's exemption	$1,220,072 Land $669,309 Building $550,763
2022	$13,184.00

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

Flood

FEMA maps place 2904 Ora Avo Ter 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 2904 Ora Avo Ter is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 79% of California
Wildfire Likelihood	0.03% 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 160 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Verizon.

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