3510 Emma Ln, Vista, CA 92084 Property Records

San Diego County property record for 3510 Emma Ln, Vista, CA 92084

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,324 sqft · built 1980
Lot Size	0.74 acres (32,234 sqft)
Owner	Individual Name on Record
Last Sale	$364,000 (Sep 2001)
Tax Bill	$7,649 (2025)
Deeds & Mortgages	Jan 2024 Second Mortgage May 2023 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`181-071-22-00`

Property Details

APN / Parcel Number

Primary APN	`181-071-22-00`
Alternative APN	`1810706100`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	2,324 sqft Living Area

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Lot Area	32,234 sqft (0.74 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	4 Parking Spaces

Location & Zoning

Old Parcel Number	1810706100
Street Address	3510 EMMA LN
City	VISTA
State	CA
Zip	92084-6633
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	SEC 27-11-3W NEQ DOC59710REC70 IN N H OF NWQ OF
Legal Range	03W
Legal Township	11
Legal Section	27
Legal Block	1
Jurisdiction	SAN DIEGO CA
Township / Civil Division	OCEANSIDE-ESCONDIDO
Census Block Group	1
Census Block	1014
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	Individual Name on Record
Mailing Address	3510 EMMA LN, VISTA, CA 92084-6633
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SCHOOLSFIRST FCU
May 26, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CALIFORNIA COAST CU
Sep 10, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 17, 2020	Deed of Trust, Mortgage · Line of Credit CALIFORNIA COAST CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 28, 2001 · Amount on Record
Deed Sale	Sep 28, 2001 · Amount on Record
Prior Sale	Aug 18, 1987 · Amount on Record
Deed Document Number	2001703209
Last Transfer Date	Apr 6, 2007
Transfer Doc	0000250450
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3510 EMMA LN, VISTA, CA 92084-6633
Transaction Type	Mortgage
Record Updated	Jan 23, 2024
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3510 EMMA LN, VISTA, CA 92084-6633

Mortgage

Document Number	0000008149
Date	Jan 11, 2024
Instrument	2024-0008149

Lender

Name	SCHOOLSFIRST FCU
Type	Credit Union
Address	TUSTIN, CA 92780

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	239 Months
Due	Dec 29, 2043

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3510 EMMA LN, VISTA, CA 92084-6633
Transaction Type	Mortgage
Record Updated	Jun 7, 2023
Title Company	TICOR TITLE SAN DIEGO BR, TICOR TITLE SAN DIEGO BRANCH

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3510 EMMA LN, VISTA, CA 92084-6633

Mortgage

Document Number	0000138020
Date	May 26, 2023
Instrument	2023-0138020

Lender

Name	CALIFORNIA COAST CU
Type	Credit Union
Address	SAN DIEGO, CA 92150

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jun 1, 2043

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3510 EMMA LN, VISTA, CA 92084-6633
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CORINTHIAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000391715
Date	Sep 10, 2019
Instrument	2019-0391715

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3510 EMMA LN, VISTA, CA 92084-6633
Document Number	0000041226
Instrument Date	Jan 17, 2020
Transaction Type	Mortgage
Record Updated	Feb 12, 2020
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	3510 EMMA LN VISTA CA 920846633, VISTA, CA 92084-6633

Mortgage

Document Number	0000041226
Date	Jan 27, 2020
Instrument	41226

Lender

Name	CALIFORNIA COAST CU
Type	Credit Union
Address	SAN DIEGO, CA 92150-2080

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 26, 2045

Interest

Rate Type	Adjustable Rate

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		$694,698 (+2%) Land $301,360 Building $393,338
2025	$7,649.00 (+8.7%) Homeowner's exemption	$681,077 (+4.04%) Land $295,451 Building $385,626
2023	$7,037.00 (+0.27%) Homeowner's exemption	$654,631 Land $283,979 Building $370,652
2022	$7,018.00

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 46% of the US · lower than 72% of California
Wildfire Likelihood	0.1% 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 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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