3462 Bernardino Ln, Vista, CA 92084 Property Records

San Diego County property record for 3462 Bernardino Ln, Vista, CA 92084

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,297 sqft · built 1984
Lot Size	1.13 acres (49,223 sqft)
Owner	2 Individual Names on Record
Last Sale	$569,000 (Dec 2014)
Tax Bill	$8,384 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Nov 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`181-243-44-00`

Property Details

APN / Parcel Number

Primary APN	`181-243-44-00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,297 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Exterior Material	Wood Siding
Roof Material	Composition Shingle
Lot Area	49,223 sqft
View / Lot	Good
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3462 BERNARDINO LN
City	VISTA
State	CA
Zip	92084-6618
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	PAR 3 TR PM12384
Legal Subdivision	PARCEL MAP NO 12384
Legal Tract	12384
Legal Block	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1017
Census Tract	19208

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	3462 BERNARDINO LN, VISTA, CA 92084-6618
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Nov 19, 2019	Deed of Trust, Mortgage · Conventional Mortgage ALLIANT CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 18, 2014 · Amount on Record
Deed Sale	Dec 18, 2014 · Amount on Record
Prior Sale	Mar 22, 2012 · Amount on Record
Deed Document Number	2014557343
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3462 BERNARDINO LN, VISTA, CA 92084-6618
Transaction Type	Mortgage
Record Updated	May 3, 2021
Title Company	AMERICAN SW TITLE, AMERICAN COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3462 BERNARDINO LN, VISTA, CA 92084-6618

Mortgage

Document Number	0000311268
Date	Apr 22, 2021
Instrument	2021-0311268

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

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

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3462 BERNARDINO LN, VISTA, CA 92084-6618
Document Number	0000613911
Instrument Date	Nov 19, 2019
Transaction Type	Mortgage
Record Updated	Jan 10, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL AGENCY SOLUTION

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	3462 BERNARDINO LN VISTA CA 920846618, VISTA, CA 92084-6618

Mortgage

Document Number	0000613911
Date	Dec 31, 2019
Instrument	613911

Lender

Name	ALLIANT CU
Type	Credit Union
Address	CHICAGO, IL 60666

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 30, 2049

Tax Assessment & Valuation

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		$697,520 (+2%) Land $242,471 Building $455,049
2025	$8,384.00 (+7.97%)	$683,844 (+4.04%) Land $237,717 Building $446,127
2023	$7,765.00 (+0.23%)	$657,291 Land $228,487 Building $428,804
2022	$7,747.00

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	5 in force
Nearby Flood Claims	2 (1998–1999)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Apr 1999 · rainfall accumulation

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 53% of the US · lower than 68% of California
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 193 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 · Fixed Wireless in parts of the area	100 / 20

May also be available: Verizon.

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