345 E Indian Rock Rd, Vista, CA 92084 Property Records

San Diego County property record for 345 E Indian Rock Rd, Vista, CA 92084

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,648 sqft · built 1998
Lot Size	0.161 acres (7,032 sqft)
Owner	2 Individual Names on File
Last Sale	$541,500 (Jul 2019)
Tax Bill	$7,400 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Jul 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`173-091-31-00`

Property Details

APN / Parcel Number

Primary APN	`173-091-31-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,648 sqft Living Area

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Lot Area	7,032 sqft (0.161 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	345 E INDIAN ROCK RD
City	VISTA
State	CA
Zip	92084-4363
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 3 TR 013267
Legal Subdivision	VISTA 90-41
Legal Tract	013267
Legal Block	1
Legal Lot Number	3
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1002
Census Tract	19206

Owner

345 E Indian Rock Rd is owned and occupied by two individuals who bought it in July 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	345 E INDIAN ROCK RD, VISTA, CA 92084-4363
Occupancy	Owner Occupied
Owner Type	Individual

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
Jun 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage MICHIGAN MUTUAL INC
Jul 19, 2019	Grant Deed, Transfer · Conventional Mortgage MICHIGAN MUTUAL
Oct 24, 2017	Grant Deed, Transfer · Conventional Mortgage CALIBER HM LOANS
Jul 13, 2017	Deed of Trust, Mortgage · Line of Credit NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2019 · Amount on File
Deed Sale	Jul 19, 2019 · Amount on File
Prior Sale	Oct 24, 2017 · Amount on File
Deed Document Number	2019293719
Prior Transfer Date	May 18, 2009
Prior Transfer Doc	0000278710
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	345 E INDIAN ROCK RD, VISTA, CA 92084-4363
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000295629
Date	Jun 9, 2020
Instrument	2020-0295629

Lender

Name	MICHIGAN MUTUAL INC
Type	Mortgage Company
Address	PORT HURON, MI 48060

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Jul 19, 2019
Property Address	345 E INDIAN ROCK RD, VISTA, CA 92084-4363
Document Number	0000293719
Instrument Date	Jun 27, 2019
Instrument	293719
Transaction Type	Transfer
Record Updated	Jul 26, 2019
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$595.65
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	345 E INDIAN ROCK RD VISTA CA 920844363, VISTA, CA 92084-4363

Mortgage

Document Number	293720
Date	Jul 19, 2019
Instrument	293720

Lender

Name	MICHIGAN MUTUAL
Type	Funding / Finance Company
Address	PORT HURON, MI 48060

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 18, 2049

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Oct 24, 2017
Property Address	345 E INDIAN ROCK RD, VISTA, CA 92084-4363
Document Number	0000495437
Instrument Date	Oct 3, 2017
Instrument	495437
Transaction Type	Transfer
Record Updated	Oct 30, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE SAN DIEGO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$539.00
Amount Accuracy	Full Value
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	345 E INDIAN ROCK RD VISTA CA 920844363, VISTA, CA 92084-4363

Mortgage

Document Number	495438
Date	Oct 24, 2017
Instrument	495438

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 23, 2047

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	345 E INDIAN ROCK RD, VISTA, CA 92084-4363
Document Number	0000339442
Instrument Date	Jul 13, 2017
Transaction Type	Mortgage
Record Updated	Aug 1, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	345 E INDIAN ROCK RD VISTA CA 920844363, VISTA, CA 92084-4363

Mortgage

Document Number	0000339442
Date	Jul 27, 2017
Instrument	339442

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Jul 26, 2057

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 345 E Indian Rock Rd was $7,400 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
Municipality	Vista City
Unified School District	Vista Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$604,048 (+2%) Land $317,919 Building $286,129
2025	$7,400.00 Homeowner's exemption	$592,205 Land $311,686 Building $280,519
2023	$6,867.00 (+0.23%) Homeowner's exemption	$569,211 Land $299,584 Building $269,627
2022	$6,851.00

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

Flood

FEMA maps place 345 E Indian Rock Rd in Zone X, an area of minimal flood risk.

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	4 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

The area around 345 E Indian Rock Rd has no burnable land within ember reach, so its wildfire risk is not rated.

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

Provider	Max Down / Up (Mbps)
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: GeoLinks, T-Mobile.

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