3518 Emma Ln, Vista, CA 92084 Property Records

San Diego County property record for 3518 Emma Ln, Vista, CA 92084

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,908 sqft · built 1975
Lot Size	0.58 acres (25,265 sqft)
Owner	Individual Name on Record
Last Sale	$600,000 (Jul 2015)
Tax Bill	$8,057 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`181-071-21-00`

Property Details

APN / Parcel Number

Primary APN	`181-071-21-00`
Alternative APN	`1810706200`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,908 sqft Living Area

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Lot Area	25,265 sqft (0.58 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Location & Zoning

Old Parcel Number	1810706200
Street Address	3518 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 DOC77188REC70 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	3518 EMMA LN, VISTA, CA 92084-6633
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 27, 2023	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Nov 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOMEPLUS CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 16, 2015 · Amount on Record
Deed Sale	Jul 16, 2015 · Amount on Record
Deed Document Number	2015373410
Prior Transfer Date	Oct 6, 1997
Prior Transfer Doc	0000518044
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3518 EMMA LN, VISTA, CA 92084-6633
Transaction Type	Mortgage
Record Updated	Jan 5, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3518 EMMA LN, VISTA, CA 92084-6633

Mortgage

Document Number	0000352989
Date	Dec 27, 2023
Instrument	2023-0352989

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Dec 26, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	3518 EMMA LN, VISTA, CA 92084-6633
Document Number	0000804757
Instrument Date	Nov 10, 2020
Transaction Type	Mortgage
Record Updated	Dec 23, 2020
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3518 EMMA LN VISTA CA 920846633, VISTA, CA 92084-6633

Mortgage

Document Number	0000804757
Date	Dec 15, 2020
Instrument	804757

Lender

Name	HOMEPLUS CORP
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 14, 2050

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		$724,353 (+2%) Land $112,715 Building $611,638
2025	$8,057.00 (+8.66%)	$710,151 (+4.04%) Land $110,505 Building $599,646
2023	$7,415.00 (+0.26%)	$682,577 Land $106,215 Building $576,362
2022	$7,396.00

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.

Nearby Properties on Emma Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures