321 Encino Dr, Vista, CA 92083 Property Records

San Diego County property record for 321 Encino Dr, Vista, CA 92083

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,763 sqft · built 1982
Lot Size	0.25 acres (10,907 sqft)
Owner	2 Individual Names on Record
Last Sale	$555,000 (Jun 2018)
Tax Bill	$5,955 (2025)
Deeds & Mortgages	Nov 2017 Mortgage Nov 2017 Second Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`159-280-50-00`

Property Details

APN / Parcel Number

Primary APN	`159-280-50-00`
Alternative APN	`1592800800`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,763 sqft Living Area

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Lot Area	10,907 sqft (0.25 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	1592800800
Street Address	321 ENCINO DR
City	VISTA
State	CA
Zip	92083-1953
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	PAR G TR PM09854
Legal Subdivision	CITY/VISTA
Legal Tract	9854
Legal Block	3
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	3
Census Block	3006
Census Tract	19303

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	2 Individual Names on Record
Mailing Address	321 ENCINO DR, VISTA, CA 92083-1953
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 3, 2017	Deed of Trust, Mortgage · Conventional Mortgage PLAZA HOME MORTGAGE INC
Nov 3, 2017	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PLAZA HOME MORTGAGE INC
Apr 27, 2021	Deed of Trust, Mortgage · VA Mortgage CORNERSTONE FIRST MORTGAGE INC
Mar 11, 2022	Deed of Trust, Mortgage · VA Mortgage DEPARTMENT OF VETERANS AFFAIRS
Mar 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
Jul 15, 2019	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Jun 12, 2018	Grant Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 12, 2018 · Amount on Record
Deed Sale	Jun 12, 2018 · Amount on Record
Prior Sale	Jan 30, 1997 · Amount on Record
Deed Document Number	2018237672
Prior Transfer Date	Oct 2, 1996
Prior Transfer Doc	0000505232
Record Updated	Oct 29, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	321 ENCINO DR, VISTA, CA 92083-1953
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	TICOR TITLE SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000516115
Date	Nov 3, 2017
Instrument	2017-0516115

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92121

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2047

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	321 ENCINO DR, VISTA, CA 92083-1953
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	TICOR TITLE SAN DIEGO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000516116
Date	Nov 3, 2017
Instrument	2017-0516116

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92121

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	321 ENCINO DR, VISTA, CA 92083-1953
Transaction Type	Mortgage
Record Updated	Jul 25, 2022
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 ENCINO DR, VISTA, CA 92083-1953

Mortgage

Document Number	0000321497
Date	Apr 27, 2021
Instrument	2021-0321497

Lender

Name	CORNERSTONE FIRST MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	321 ENCINO DR, VISTA, CA 92083-1953
Transaction Type	Mortgage
Record Updated	Jul 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 ENCINO DR, VISTA, CA 92083-1953

Mortgage

Document Number	0000110346
Date	Mar 11, 2022
Instrument	2022-0110346

Lender

Name	DEPARTMENT OF VETERANS AFFAIRS
Type	Government Agency
Address	NASHVILLE, TN 37203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	350 Months
Due	May 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	321 ENCINO DR, VISTA, CA 92083-1953
Document Number	0000248262
Instrument Date	Mar 23, 2020
Transaction Type	Mortgage
Record Updated	May 25, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	321 ENCINO DR VISTA CA 920831953, VISTA, CA 92083-1953

Mortgage

Document Number	0000248262
Date	May 15, 2020
Instrument	248262

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	May 14, 2030

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	321 ENCINO DR, VISTA, CA 92083-1953
Document Number	0000294085
Instrument Date	Jul 15, 2019
Transaction Type	Mortgage
Record Updated	Jul 26, 2019
Title Company	WFG NATIONAL TITLE COMPANY, WFG NAT'L TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 ENCINO DR VISTA CA 920831953, VISTA, CA 92083-1953

Mortgage

Document Number	0000294085
Date	Jul 19, 2019
Instrument	294085

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 18, 2049

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jun 12, 2018
Property Address	321 ENCINO DR, VISTA, CA 92083-1953
Document Number	0000237672
Instrument Date	May 11, 2018
Instrument	237672
Transaction Type	Transfer
Record Updated	Jun 19, 2018
Title Company	TICOR TITLE INSURANCE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$610.50
Amount Accuracy	Full Value
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	321 ENCINO DR VISTA CA 920831953, VISTA, CA 92083-1953

Mortgage

Document Number	237673
Date	Jun 12, 2018
Instrument	237673

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 11, 2048

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		$644,115 (+2%) Land $222,098 Building $422,017
2025	$5,955.00 (+5.94%)	$631,487 (+4.04%) Land $217,744 Building $413,743
2023	$5,621.00 (-1.32%)	$606,968 Land $209,290 Building $397,678
2022	$5,696.00

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 8 (10% premium discount)
Nearby Flood Policies	2 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	Not rated no burnable land within 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 662 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
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: GeoLinks, T-Mobile.

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