318 Muddy Ln, Vista, CA 92084 Property Records

San Diego County property record for 318 Muddy Ln, Vista, CA 92084

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,707 sqft · built 1992
Lot Size	0.215 acres (9,382 sqft)
Owner	Individual Name on Record
Last Sale	$615,000 (Dec 2015)
Tax Bill	$8,912 (2025)
Deeds & Mortgages	Aug 2022 Second Mortgage May 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`176-092-41-00`

Property Details

APN / Parcel Number

Primary APN	`176-092-41-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,707 sqft Living Area

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Lot Area	9,382 sqft (0.215 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	318 MUDDY LN
City	VISTA
State	CA
Zip	92084-5624
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	PAR D TR PM15999
Legal Subdivision	CITY OF VISTA
Legal Tract	15999
Legal Block	4
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	4
Census Block	4002
Census Tract	19601

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	Individual Name on Record
Mailing Address	318 MUDDY LN, VISTA, CA 92084-5624
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MISSION FCU
May 24, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 18, 2015 · Amount on Record
Deed Sale	Dec 18, 2015 · Amount on Record
Prior Sale	Feb 22, 2008 · Amount on Record
Deed Document Number	2015648801
Last Transfer Date	Apr 20, 2021
Transfer Doc	0000391433
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	318 MUDDY LN, VISTA, CA 92084-5624
Transaction Type	Mortgage
Record Updated	Aug 26, 2022
Title Company	FIDELITY NATL TTL SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	318 MUDDY LN, VISTA, CA 92084-5624

Mortgage

Document Number	0000333120
Date	Aug 17, 2022
Instrument	2022-0333120

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Sep 1, 2032

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	May 24, 2021
Property Address	318 MUDDY LN, VISTA, CA 92084-5624
Document Number	0000391433
Map Reference	DOC 90-105586
Instrument Date	Apr 20, 2021
Instrument	2021-0391433
Transaction Type	Transfer
Record Updated	Jun 4, 2021
Title Company	TICOR TITLE COMPANY/CA, TICOR TITLE CO SD BRANCH

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	318 MUDDY LN, VISTA, CA 92084-5624

Mortgage

Document Number	0000391434
Date	May 24, 2021
Instrument	2021-0391434

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

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

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		$742,585 (+2%) Land $349,540 Building $393,045
2025	$8,912.00 (+7.93%) Homeowner's exemption	$728,026 (+4.04%) Land $342,687 Building $385,339
2023	$8,257.00 (+0.24%) Homeowner's exemption	$699,758 Land $329,381 Building $370,377
2022	$8,237.00

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	3 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 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 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 566 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 · Fiber in parts of the area	100 / 20

May also be available: GeoLinks, Verizon.

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